| Based in Sussex, Richard Martin offers personal mortgage and financial advice. |
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As an independent mortgage advisor I will explain the pro's and cons of the numerous mortgage options now available. I will discuss the differences between variable rate, fixed rate, discounted rate, tracker rate and capped rate and explain an interest only mortgages versus a repayment mortgages. Flexible and offset mortgages are becoming increasingly popular with the benefits of overpaying, underpaying & taking payment holidays on your mortgage and offset savings. Issues surrounding Stamp duty and the cost of conveyancing will be explained, together with information on any related insurances you should have to protect your mortgage, such as life assurance, critical illness cover, permanent health insurance, house insurance, accident, sickness and redundancy protection. Many lenders have moved away from using income multiples to decide how much money to lend. Instead affordability calculators are used. I can calculate how much you can borrow and what your monthly payment will be. |
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Richard Martin has been offering financial and mortgage advice for over 15 years providing excellent service with continuous repeat and referral business from his customers. Looking for the right Independent Mortgage Broker can be a complicated and daunting process. As a Positive Solutions Partner I can offer a different, professional and, above all, independent service in today’s cluttered market. Using the web to its full potential, all of our clients get an online view of their financial affairs and a chance to communicate with their own email service We believe that websites can’t advise people on their financial futures, nor should they. When dealing with people's finances a personal touch is necessary, giving the chance to both identify and evaluate your own personal needs. We have long term relationships with our customers and ensure that their requirements and best interests are met, now and in the future. If you would like to discuss your mortgage options with me call on 01903 817 095 or Freephone 0800 3280788 or use the contact tab to submit your enquiry and we'll call you back. We are happy to arrange a meeting at your convenience in the comfort of your own home or office during the day or evening.  |
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