Stephen J Douglas Financial Services & Mortgage Advisor Basingstoke is directly authorised by the Financial Conduct Authority, and he has been arranging Mortgages and Life Assurance for over 34 years. We are able to obtain mortgages through nearly every lender in the UK, finding the best mortgage for each individual from over 3000 products that are updated daily.
Thinking of buying a home? This may be one of the biggest decisions of your life. Or maybe you're thinking of moving house or remortgaging. Whatever the circumstance, these are fundamental decisions that have to be made to ensure you get the mortgage advice and subsequent best product available that is tailored for you.
Thinking of buying a home? This may be one of the biggest decisions of your life. Or maybe you're thinking of moving house or remortgaging. Whatever the circumstance, these are fundamental decisions that have to be made to ensure you get the mortgage advice and subsequent best product available that is tailored for you.
Services
Stephen J Douglas is an adviser that specialises in helping first time buyers get on to the property ladder as well as helping movers, people looking to remortgage, key workers and shared ownership.
Stephen J Douglas Financial Services is directly authorised by the Financial Conduct Authority, and he has been arranging Mortgages and life Assurance for over 32 years and is able to obtain Mortgages through nearly every lender in the UK, finding the best mortgage for each individual from over 3000 products that are updated daily.
Stephen J Douglas Financial Services is directly authorised by the Financial Conduct Authority, and he has been arranging Mortgages and life Assurance for over 32 years and is able to obtain Mortgages through nearly every lender in the UK, finding the best mortgage for each individual from over 3000 products that are updated daily.
At Stephen J Douglas Financial Services we are able to offer total unbiased and free Mortgage advice and are recommended Mortgage advisors for all of the Help to Buy schemes in Hampshire and surrounding counties. Shared Ownership, New build and Resales, Remortgaging for a better rate and Staircasing, i.e. buying more of you property.
The interest rate you pay will stay the same throughout the length of the deal no matter what happens to interest rates. You'll see them advertised as 'two-year fix' or 'five-year fix', for example, along with the interest rate charged for that period. With a Capped Rate your mortgage payment won't go above a certain level, but because they are a kind of variable rate, they also let you benefit from lower payments when rates go down.
Buying your first home is an exciting prospect, but figuring out how to get onto the property ladder can feel overwhelming. Luckily there is help available for first time buyers who are struggling to attain a mortgage for their first home. Many schemes exist including government initiatives as well as incentives provided by the banks.
With a Help to Buy: Equity Loan the Government lends you up to 20% of the cost of your newly built home, so you'll only need a 5% cash deposit and a 75% mortgage to make up the rest. You won't be charged loan fees on the 20% loan for the first five years of owning your home. If the home in the example above sold for 210,000, you'd get 168,000 (80%, from your mortgage and the cash deposit) and you'd pay back 42,000 on the loan (20%).
Reviews (10)
Abbi Gennery
Oct 24, 2021
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Steve has been nothing but amazing from start to finish in mine and my boyfriends process of buying our first home on shared ownership. Highly recommend for his excellent communication and for always keeping us in the loop, as well as his great knowledge and professionalism.
Thank you Steve, we really couldn't have done it without you!!
Thank you Steve, we really couldn't have done it without you!!
Deb Nitsch
Oct 05, 2021
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Steve is an absolute DREAM. We have used his services twice over a 7 year period and each time he's been amazing. He's always at the end of the phone to promptly answer any questions and makes the entire process an ease.
I have recommended him to friends who have so used his services and I will continue to recommend.
I have recommended him to friends who have so used his services and I will continue to recommend.
Alison Strudwick
Sep 27, 2021
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Absolutely 100% recommened Stephen to arrange a mortgage and give financial advice, what this man doesn't know about finances etc isn't worth knowing. He makes what looks so difficult easy and goes above and beyond to help you achieve your dream. Reliable, professional (but with a wicked sense of humour), puts you at ease the moment you walk into his office. He has arranged my first ever mortgage when i was 23 (a good few years ago now) he has arranged my son and daughter in laws first ever mortgage, i cannot recommend him enough, thankyou, thankyou, thankyou .
Aimee Jolliffe
Jul 14, 2021
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Claire McMillan
May 25, 2021
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Stephen helped us complete our purchase on our first home. As first time buyers we were very unaware of the process and Stephen guided us through the initial stages, right through to completion. He was always available and responsive and made the whole process so much easier. Will definitely use in the future and would recommend to any other first time buyers. Thanks Stephen! 👍
Donna Fearn
May 24, 2021
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Harry James Green
Dec 15, 2020
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I want to take this opportunity to thank Stephen with his outstanding support on the purchase of our first house, even in these challenging times. I can highly recommend Stephen for his services. His knowledge is outstanding and there are certainly no gimmicks and fluffing around with him. His persona and charm adds to the outstanding service he delivers and I loved that everything was layman's terms, making things easy to understand. I cannot thank him enough and know that I will return to him for further services in the near future.
Charlotte James
Aug 07, 2020
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Bak
Jun 11, 2020
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Positive: Quality
Stephen was recommended when I needed a mortgage and I'm so glad he was . Stephen is honest hard-working and generally one of the friendliest guys iv met. He's great value and knows how to get the best deal for you. I would definitely recommend him and would definitely use him again in the future.
Stephen was recommended when I needed a mortgage and I'm so glad he was . Stephen is honest hard-working and generally one of the friendliest guys iv met. He's great value and knows how to get the best deal for you. I would definitely recommend him and would definitely use him again in the future.
Lisa Trenchard
Oct 18, 2019
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Cannot thank Stephen enough for his kindness, experience, knowledge, guidance and great personality in helping us to secure our first mortgage. From start to finish Stephens communication was great throughout, keeping us well informed and up to date via phone and email. Stephen was great at explaining everything to us and answering all the questions we had. Thank you so much and would definitely recommend his services.
