Fully CeMAP qualified, Richard's background is in mortgage advice and life assurance, having many years' experience in both. Richard looks after the mortgage and insurance operations and is very hands on, advising on all types of mortgage, remortgage and life assurance.
Richard also has vast experience in dealing with debt problems, advising on the best way out of a difficult situation and leading clients on their recovery to better financial health.A keen sportsman, Richard finds it difficult to actually play much sport these days, however he does watch a lot on TV!
Richard also has vast experience in dealing with debt problems, advising on the best way out of a difficult situation and leading clients on their recovery to better financial health.A keen sportsman, Richard finds it difficult to actually play much sport these days, however he does watch a lot on TV!
Services
There are many different types of mortgage and remortgage - fixed rates, trackers, variable, discounts, interest only and repayment. If the mortgage that you're looking for is not mentioned in this section, please get in touch and we'll be happy to explain more about that particular mortgage. Mayfield Mortgages have access to a whole range of lenders so we can compare the majority of the mortgages available to find the best one that suits you.
Buy To let property can be an investment for your future, although there is no guarantee of future performance in any investment market. We can explain the relative merits of buy to let and advise on and help arrange the funds you might need to purchase a buy to let property or remortgage an existing buy to let property.
We appreciate how important it is to get on the housing ladder, however with prices so high, we understand how difficult it is for first time buyers to make this step and we've helped many with their first mortgage home finance. Essentially, the bigger the deposit the better - the more choice there will be and the lower the interest rate and set up costs.
In the early to middle stages of your life it is important to move up the housing ladder to ensure you have the appropriate property for your requirements. If you've built up some equity in your current property it is relatively easy to borrow additional funds to help you purchase your next - perhaps in a quieter neighbourhood, with another bedroom or just a bigger garden for those growing kids!
Most mortgage lenders offer mortgage deals at a rate for a specific number of years - whether a fixed rate, discounted rate, or tracker rate, and normally two, three or five years. At the end of this deal period you are automatically moved onto the lenders' Standard Variable Rate (SVR) which can be higher than other deals available or just put you at the whim of the lender and possible rate rises.
