Our initial consultation is free, and during that meeting, we'll discuss your circumstances and mortgage requirements. From there, we'll analyse the market and carry out detailed research, focusing on your individual needs and preferences. Whether you're a first-time buyer looking to buy their dream home or a business owner hoping to purchase commercial premises, the entire process will be tailored to you.
Once you're happy with the mortgage product we've recommended and feel ready to proceed, our focus is to support you through the entire mortgage application process. We're never more than a phone call away, we will provide you with regular updates, and we'll liaise with the estate agent, valuer, lender and solicitor - We're with you right up until the day of completion.
Once you're happy with the mortgage product we've recommended and feel ready to proceed, our focus is to support you through the entire mortgage application process. We're never more than a phone call away, we will provide you with regular updates, and we'll liaise with the estate agent, valuer, lender and solicitor - We're with you right up until the day of completion.
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Lots of things have changed since Key Mortgage Advice was first established in 2001; rates have been up and down, new tax legislation for landlords was introduced, and mortgage loan criteria has changed drastically. Not to mention the fluctuating property prices in Lancashire and the North West, including Preston, Garstang and Southport, where our offices are based.
I've been dealing with Key Mortgage Advice for 6 years and every member of staff is professional and customer focused when searching the market and arranging mortgages. A first rate company without a doubt! Great company to deal with. Dealt with them for my first time mortgage and also went back to them when my fixed term came to an end.
Whether you're a first-time buyer or looking to add to your property portfolio, we can help you get the perfect mortgage at the best price. Every lender has a unique set of lending policies and criteria, which must exactly match the circumstances of the borrower - therefore, arranging a mortgage has never been more complex.
Many lenders now offer discounted interest rate deals for an introductory period - normally for two, three or five years - after that, they'll usually revert to a higher rate. However, you don't have to stay with that lender after the introductory period has come to an end. Like most things nowadays, it's important to shop around to see if you can save some money.
A lifetime mortgage is designed for people over the age of 55 and allows clients to either buy a new home or release money from their current property without the need to make any monthly repayments during the lifetime of the loan. This is because the loan and interest are rolled up and repaid by the sale of your property when the plan ends.
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