Mortgage and Insurance Advice East Kilbride
Mortgage Advice East Kilbride
A mortgage application can be a challenging and complicated process for us all in the current climate. In recent years, we have had market complications around Brexit, The Grenfell tragedy and Coronavirus impacting our ability to obtain borrowing. At The Only Group, we are here to offer expert guidance and support around your plans.
Our service aim is to provide professional knowledge of the Mortgage Market, Property market, Scottish Home Reports, Solicitors and Insurance needs throughout your homebuying process.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
East Kilbride Mortgage Adviser
The Only Group are committed to supporting your understanding of the vast range of Mortgage options available to you. We know how important a house purchase is in our lives and together, we will work to make an informed decision about the products that most suit your needs.
Mortgage Advice – East Kilbride
Buying a property can be the biggest and most expensive decision we make. It is for this very reason that impartial mortgage advice is from a qualified mortgage advisers is so important. If this is your first mortgage, you are looking to remortgage or even looking to purchase a second home, we can support you in making the right decision.
Specific mortgage advice to your circumstances is very important now. Many of our mortgage lenders have very different criteria for different people. A contractor, self employed, or even overtime or commission based earnings can see very different results from each mortgage lender. It is important that we explore your circumstances, to ensure we are not applying to the wrong mortgage provider or carrying out unnecessary and potentially damaging credit checks.
We offer a comprehensive range of mortgage products from across the market for first charge mortgages only. We do not offer deals that you can only obtain by going direct to a lender. To review the list of lenders we offer mortgages from, this will be included as an appendix with our Mortgage Terms of Services document.
If you are looking to increase your mortgage borrowing, alternative finance options may be available and more appropriate for your needs. For example, a further advance from your existing lender, a second charge mortgage or an unsecured loan (e.g. a personal loan).
You may have to pay a mortgage early repayment charge to your existing lender if you re-mortgage. A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Affordability – East Kilbride Mortgage Advice
A large part of any financial assessment is to ensure it’s affordable to you. Together, we will ensure the intended mortgage is affordable using our budget calculators.
Whatever the properties needs, we can ensure that you have the right mortgage contract to meet your needs whilst reviewing this together throughout your mortgage contract.
Buying a property can involve many fees from Solicitor to Stamp Duty, Removals to Furnishing. It is important to assess this together to ensure you are comfortable financially with your commitment.
Our Services – East Kilbride
Mortgage Advice – First time buyers
Buying your first home is an exciting time and our mortgage advisers are ready to help you take those first steps. With insider knowledge and expert insight, we take the fear out of mortgages meaning you can get excited about your buying new home! You will have a dedicated mortgage advisor to help you every step of the way.
Only Mortgages provides a dedicated mortgage and insurance service in Glasgow. No jargon, confusing paperwork or complicated processes. We deal with it all for you, leaving you with a pure and simple process you’ll love. You’ll have the same advisor from start to finish who will make buying your home as stress-free as possible.
If you are thinking about buying your first home call Only Mortgages to arrange your mortgage appointment today. Take first steps to get yourself on the property ladder, with the help of your own dedicated mortgage advisor. Your home may be repossessed if you do not keep up repayments on your mortgage
MORTGAGE ADVICE – HELP TO BUY
Help to Buy can be a fantastic way to buy your first property, with the right advice, this can really work for you. It can also be very confusing and difficult to achieve with many financial implications to understand. There will be various Help To Buy schemes available at various times, all offering different benefits.
Whether it be first home fund, Help to Buy ISA or Lift Scheme, we pride ourselves on our knowledge to ensure you can buy the best property you can afford.
At Only Mortgages your dedicated mortgage adviser will find the best solution around help to buy for you. Your mortgage adviser will process your application and ensure your purchase is as smooth as it possibly can be.
MORTGAGE ADVICE – Re-Mortgage
As a home owner, you may be aware that small differences in interest rates can have a big impact on your monthly repayments. You will therefore want to ensure your re-mortgage rate the best in the market. Only mortgages mortgage adviser will support you when looking for that next deal, ensuring it is the best on the market to meet your needs. Your mortgage adviser will guide you through the process from start to finish ensuring you have all the information to get the best product.
Re-Mortgaging is the most undervalued part of the mortgage process with many companies fighting out for your business, come speak to us today and we can review your needs.
Mortgage Advice – BUY TO LET
If you are looking to complete your first buy-to-let purchase, or are on your way to building a sizeable portfolio, we understand that profit will be on the forefront of your mind. At Only Mortgages we provide you with your own dedicated mortgage adviser in Glasgow. Your mortgage adviser will be offer specialist buy-to-let mortgage advice, tailored around your needs and circumstances.
Your professional adviser will find the best mortgage to suit your needs and they will also complete all of the paperwork for you, meaning Only Mortgages can make the process as smooth and easy as possible. Your mortgage adviser will deal with the lenders, solicitors and surveyors from beginning to end.
LIFE ASSURANCE – East Kilbride
Family is the most important thing to us, it is important to know what options you have to protect them.
A life insurance plan can be the cheapest way to insure your life. It offers different options to ensure that should you pass away, you don’t leave your debt. Life Insurance has many options and it can be very confusing trying to work out what is the best policy for you and your family or loved ones.
A life Insurance plan is for those who want to protect those that matter to them in the event of their death. Life insurance can protect your loved ones from the financial consequences of a personal tragedy. Life Insurance can be used to cover any amount of money you deem suitable for your needs, together we will discuss this and arrange the most suitable plan for you and your loved ones.
A Life Insurance plans has no cash in value at any time and will cease at the end of the term. If premiums are not maintained, the policy will end.
CRITICAL ILLNESS COVER – East Kilbride
A Critical Illness insurance plan is designed to cover your needs financially in the event you are diagnosed with a designated Critical Illness.
Critical Illness is a very important policy in current climate with the need becoming more apparent every day. Critical Illness cover can be taken as part of a life insurance policy, or as a individual policy. Together, we would discuss your circumstances to ensure any advice is specific to you.
A Critical Illness cover plan is designed for individuals or families who want a lump sum if they are diagnosed with a Critical Illness. A Critical Illness in the family home can have a significant impact on not only the person, but loved ones and finances. Critical Illness cover pay outs are designed to repay unsecured debt, cover your mortgage or protect the needs of loved ones who may need time off work to care for you.
Critical Illness cover is a very detailed policy and can vary significantly between providers. As qualified advisers, we are here to ensure you get the right policy for you and your families needs.
A Critical Illness plan has no cash in value at any time and will cease at the end of the term. If premiums are not maintained, the policy will end.
Income Protection – East Kilbride
An Income Protection plan is there to provide a regular income in the event you are unable to work due to an accident or illness. Income Protection pay out an agreed monthly income for as long as you are unable to return to work up until the agreed end date of the policy.
Income Protection plans are the bedrock of financial planning as invariable, our earning potential is often the most valuable asset we own. It is the factor of our lives that enable us to buy our homes, pay our bills, take holidays and enjoy ourselves. If this ability to earn money is taken away, Income Protection ensures we protect the most important things our income currently pays for.
An Income Protection plan is there for anyone who wants to ensure that they protect their household income. Often, employer sick pay arrangements will cover short term but what happens after that?
An Income Protection plan is designed to be independent of your employer, independent of a job change, independent of a employer contract amendment. Post Coronavirus will be a difficult time for Employees and Employers, it is important to work together to consider your needs to ensure we do what we can to protect our home ownership.
Income Protection is a very flexible plan that fits around your needs, income and current insurance.
An Income Protection plan has no cash in value at any time and will cease at the end of the term. If premiums are not maintained, the policy will end.
Buildings & Contents – East Kilbride
All Mortgage lenders will insist that home owners have adequate buildings Insurance cover
A Buildings and Contents policy is designed to insure your property from fixtures, fittings and contents to damage caused by fire or flooding, lightening and storms, subsidence, accidental damage, escape of water, theft and vandalism.
A Buildings and Contents policy should always be sufficient to cover the rebuild cost of your property. There are lots of options around these policies and together we can work which best suits your needs.
If your property is residential or Buy to Let, factored or not, there is a policy type to meet your needs.
Client feedback – East Kilbride
“I couldn’t have done this without you, you have really set me and my family up for life and I can’t thank you enough” – Craig G
“After viewing £80,000 flats for weeks that left me disapointed, 20 minutes talking to you and I was able to buy a house with a front and back garden for £135,000 using first home fund. I thought this was a pipe dream for me but you made it happen” – Matthew T
“I wanted the perfect place but it seemed so did every one else and I kept missing out! You showed me a flat in a great area that was quite run down, one I would never had looked at. You agreed a price with estate agent and arranged a builder to quote to renovate the flat to my designs. This work was completed in 6 weeks whilst I stayed at home and for a total cost £12,000 less than I was offering on similar flats in the area! You showed me a way that got me moved into the flat of my dreams in 6 weeks when I had spent previous 3 months wasting my time, thankyou soo much” – Sarah D