Mortgages

First time buyers, re-mortgages,

buy-to-let mortgages, equity release

Get the mortgage you need to buy your new forever home, a buy-to-let property or a commercial property

Because the mortgage market is constantly changing, it’s hard to keep up to date and be aware of the best rates and options available.  This is particularly true if you are looking for a mortgage for the first time, need a mortgage on another property or only change your mortgage infrequently.

We’re here to help

Our mortgage-qualified advisers keep on top of the latest offerings. They know the best providers for specific personal circumstances or types of mortgage.

As ‘whole of market’ advisers, we can access almost all lenders in the marketplace.  This means you we can find suitable products from companies other than your current bank or lender, who may not offer the best deals.

Our knowledge of making applications to different providers means we can help you maximise the lending offers, based on your personal circumstances.

Working with us can reduce the amount of time it takes to find a mortgage and get it in place, whether it’s in advance of finding the property or when you’re ready to make an offer, so you’re less likely to lose out on that perfect property.

Self-employed?

For those who are self-employed or have fractured employment it can be an even bigger challenge to find a provider who will lend you the money you need. In these circumstances, our experience and knowledge can be invaluable in getting you the mortgage offer you need.

Getting a mortgage means it’s time to put financial protection in place…

When you take a mortgage through us, we can also help ensure you have the essential financial protection in place.

Because we’re not tied to one company, you’ll often find that the life insurance, critical illness and income protection policies we can find are cheaper than those offered by the mortgage provider, as well as being tailor-made for you, so definitely give us a call before you make your decision.

…and to make a will

Being a property owner should also be a prompt to sort out Wills for anyone named on the mortgage.

Don’t put it off, do it today. Find out more about our Wills service for clients and their immediate family.

Equity Release

Essentially, equity release enables you to exchange or release part of the value of your home for a cash lump sum.

It is something which can be considered as part of your financial planning for retirement as it may be a way of enabling you to be more comfortable financially when you’re no longer actively earning.

The benefits of equity release include being able to stay in your own home and to use some of your equity to help make the most of your retirement. It is a long-term commitment and can be expensive as the interest rates available are higher than on a standard mortgage and may be fixed for life. It is therefore recommended that you also explore other ways of releasing cash, such as downsizing your home, before making a decision to proceed.

There are two main types of equity release plan:
• A lifetime mortgage (available to over 55’s)
• A home reversion plan (available to over 65’s)

You can access equity release once you have reached the minimum age and provided you own your property, although you don’t need to have paid off your mortgage in full.

When considering equity release, it’s important to understand the different product options available and what they might mean for you and your intended beneficiaries. Because of the impact on the inheritance you leave to your loved ones, we recommend that you discuss your plans with them.

If you want to find out more about the options and the implications of the different products, please talk to either Gareth Jenkins or Sam Pascoe, both of whom are qualified to advise clients on equity release.

Equity Release may involve a home reversion plan or lifetime mortgage which is secured against your property. To understand the features and risks, ensure you ask for a personalised illustration.

If you aren’t yet a client of The St David’s Partnership and would like to speak to an adviser who can help you, please get in touch with our head office

Or browse our advisers to select someone to help you

Need something more?  Find out about the other services we offer:

The St David’s Partnership is directly authorised and regulated by the Financial Conduct Authority (FCA), registration number 189117.

Our guidance and advice are subject to the UK regulatory regime and restricted to consumers resident in the UK. The information contained in this website is for general information only and is not financial, investment or tax advice.

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