We are happy to help and discuss your needs
We are great listeners who will never judge your situation
We provide sound advice and research
Products and Services
Self Employed Mortgages
Whether you are a limited company, sold trader or contractor, whatever your circumstances when you work for yourself we can find the right deal for you.
Buy to Let Mortgages
Looking for advice on your first buy to let? Are you looking to refinance an existing buy to let, or do you have a portfolio? Whatever your circumstances TCF Financial Planning will have a solution for you.
Remortgaging
Coming to the end of your current product, or simply sat on a variable rate? TCF Financial Planning will compare the products available with your current lender and then compare those whole of market.
Bridging Finance
If you need to raise finance at short notice, bridging finance can be an excellent option. TCF Financial Planning has access to specialist bespoke products.
First Time Buyers & Movers
At TCF Financial Planning we pride ourselves on taking the stress out of buying your first home or if you are moving house. Contact us for a hassle and stress free experience.
We guide you through the entire mortgage process…
At TCF Financial Planning we want all of our clients to not only feel totally confident in the advice they receive now, but more importantly for their future.
We are experts in all types of mortgages, protection and general insurance products. We have years of experience dealing with all types of scenarios and take great satisfaction in ensuring that our clients have the right products and solutions for them.
When the time comes to start looking for a mortgage, the amount of information out there can make it seem like an extremely daunting process. You may have some knowledge of mortgages, but not enough to make an informed decision – or you might not have a clue where to start.
At TCF Financial Planning, we aim to make the process as straightforward as possible for you, so you make the right decision to suit your own needs. We understand the complexity of mortgages and try to sift through the jargon to make it easier for first time buyers. Whether you have experience of mortgages or not, we are here to help.
What is a mortgage?
If you want to own your home, you will probably need a mortgage. A mortgage is basically a loan to help you pay for your house. With the average cost of a home in the UK currently standing at over £200,000 (https://www.zoopla.co.uk/house-prices/uk/), very few can pay for it outright.
There are mortgages options available to suit most circumstances, including first time buyers, those who are re-mortgaging and people who are moving up the property ladder. In most cases, you will need to put down a deposit before you can obtain a mortgage.
Buying your home is essentially the biggest purchase you’ll ever make in your life – and the most important. Although you often end up paying much more back, it can make owning a home affordable.
Benefits of using a mortgage advisor…
A mortgage advisor is particularly important for first time buyers, but it is worthwhile seeing one, even if you have had a mortgage before. There are many different types of mortgages out there and an advisor will be able to help you understand which is right for you.
A mortgage is a huge financial commitment, so you need to be sure you make the right decision. It is always worthwhile seeking the guidance of a specialist who can advise on the different types of mortgages available to you, give advice on how much you can realistically afford to borrow and help you with your application. An independent mortgage advisor may be a good way to get the mortgage you want.
What to look for in your next mortgage…
It is important to understand exactly what you will be paying. A mortgage might have low rates, but high fees, so this is something to look out for. You should have a good understanding of how much you will be paying and how you will afford this, before you make any decisions. Consider the tie ins of the mortgage, as you never know whether your situation will change.
The last thing you want is to end up with extra fees you didn’t realise you were getting. You also need to know whether the rate is fixed or subject to change and which of these you feel most comfortable with. There may also be flexibility, where you can overpay or take mortgage breaks, and this can be valuable in the decision-making process.
It is important to understand all the facts about the mortgage, before you decide. This is where we can help. Contact us today so we can help to find the right mortgage for you.
