Mortgage Advice
MORTGAGES / Capital raising:
A Mortgage is one of the most important Financial commitments most of us are likely to face in our lifetime.
It is so important as your home not only provides your family security but also is likely to be one of your most valuable assets, that is why with so many lenders offering so many products it is vital to seek the right advice when purchasing a property and continuing through the lifetime of owning a property.
At MS Wealth Management we have the entire mortgage market at our fingertips, and with over 20 years experience we have the knowledge to advise you during this process.
We specialise in all aspects of Mortgage / property related finance. This Includes “Buy to Let” mortgages, secured loans and bridging finance.
Our advice also covers the extremely important areas of Mortgage and income protection along with Home and personal insurance.
We can offer bespoke Mortgage solutions such as:
- First Time Buyer
- Home Mover
- Remortgage
- Fixed
- Tracker
- Discounted
- Capped
- Offset
- Flexible
- * Buy To Let
- * Overseas
- * Commercial Lending
Your home or property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Changes in the exchange rate may increase the sterling equivalent of your debt.
How do we get paid:-
No advice fee: we will be paid a commission by the lender on successful completion of your mortgage.
OR
The amount of the advice fee will be up to 0.75% of the loan for most residential mortgage, including self-certification loans (i.e. up to £750. for an advance of £100,000).
For more specialist or non standard mortgages, we charge up to 1.5% of the loan (i.e. – up to £1,500. for advance of £100,000).
Any commission paid to us from product providers will be refunded
Arrangement Fee
£195 payable to MS Wealth Management Ltd on application and is non refundable. The Arrangement Fee is non refundable however any advice fee paid in advance would be refunded in the event that the mortgage did not complete.
*These services are not currently regulated by the Financial Services Authority