With that in mind in 2009 Marchwood IFA was formed with the sole aim of providing highly specialised independent financial advice. We provide expert advice on mortgages, investment and pension planning, and retirement life-stage planning including equity release and pension drawdown. The Marchwood IFA team are able to offer a bespoke, independent and professional service that delivers concise financial advice to all of our clients.
This approach means that our customers can make essential financial decisions with confidence. Our expert mortgage advisors are not tied to specific lenders. This means that whatever mortgage you are looking for - first-time buyer, buy to let, or remortgage; we can help you navigate the whole of the mortgage market.
This approach means that our customers can make essential financial decisions with confidence. Our expert mortgage advisors are not tied to specific lenders. This means that whatever mortgage you are looking for - first-time buyer, buy to let, or remortgage; we can help you navigate the whole of the mortgage market.
Services
For many people a mortgage is the biggest financial commitment that they make. We can help you choose the right mortgage because we are mortgage specialists that have access to the whole mortgage market; we are not tied to specific lenders. The criteria for mortgage lending, and therefore mortgage affordability, has become much more complicated.
Interest only mortgages are a useful way to reduce mortgage payments; because only the interest is repaid over the mortgage term. The capital is repaid with either savings, investments, pensions or the sale of the property at the end of the mortgage term. If applicants have insufficient funds to pay off the loan at the end of the mortgage term, then the property must be sold.
Repayment mortgages are the only method of paying your mortgage that guarantee; that the mortgage will be paid in full at the end of the mortgage term. Each mortgage payment is made up of both 'capital and interest'. Our expert mortgage advisors can advise you on the most appropriate repayment method for your mortgage and; they can help you calculate how much you can afford to borrow.
To be eligible for a lifetime mortgage, applicants must be a minimum of 55 years' old. The lending criteria for lifetime mortgages is very strict, it is regulated by the Equity Release Council. House value that is released via a lifetime mortgage can be used to fund maintenance or repairs to the home, as part of living inheritance planning, or to increase retirement income.
Buy to let mortgages are used to purchase investment properties, or properties to rent. Our mortgage specialists can help people that are new to buy to let mortgages, seasoned landlords, and companies that invest in property.
Our experts can advise on converting an existing residential mortgage, purchasing a first rental property, switching an existing mortgage to get a better rate, releasing equity to increase the value of portfolios, mortgages for Houses in Multiple Occupation (HMOs); and purchasing through a Limited Company.Buy to let mortgages can be complex; and are subject to strict lending measures.
Our experts can advise on converting an existing residential mortgage, purchasing a first rental property, switching an existing mortgage to get a better rate, releasing equity to increase the value of portfolios, mortgages for Houses in Multiple Occupation (HMOs); and purchasing through a Limited Company.Buy to let mortgages can be complex; and are subject to strict lending measures.
Reviews (10)
Raymond Lam
Nov 22, 2021
Report
James has been patience and helpful in my road to getting my first mortgage onto the property ladder. Answering all my questions, regardless of my lack of knowledge, professionally and with great advice.
With his own initiative, he has helped me save additional money during my extended delays in my new build home. Therefore I would recommend his services and advice towards future.
Thank you very much
With his own initiative, he has helped me save additional money during my extended delays in my new build home. Therefore I would recommend his services and advice towards future.
Thank you very much
Rachel Simpson
Oct 05, 2021
Report
Nicola Henry
Oct 05, 2021
Report
Tony Leeson
Aug 18, 2021
Report
Hannah Randall
Aug 17, 2021
Report
Barbara Skinner
Jun 28, 2021
Report
Claire Hodgekiss
Jun 04, 2021
Report
Alan Kemish
May 29, 2021
Report
Elly Boulboul
Oct 12, 2020
Report
James Mayne at Marchwood has now helped us obtain 2 mortgages. As most of our income is counted as self employed (dividends and directors salaries) his advice has been key to finding the right lender and helping us organise the paperwork etc. He got us a great rate and we're very happy with the service.
James Allsop
Sep 20, 2020
Report
I've just used Marchwood to setup a new pension and also source some personal insurance cover.
Richard at Marchwood made the entire process so simple and straight forward - always helpful, always finding great deals and giving great advice.
I shall certainly be using your services again, many thanks.
Richard at Marchwood made the entire process so simple and straight forward - always helpful, always finding great deals and giving great advice.
I shall certainly be using your services again, many thanks.
