Mortgages - sorting out your financial affairs

For many of us a mortgage is the largest single financial commitment that we make so it is important to ensure that our mortgage arrangements are suitable and that the rate of interest charged is competitive.

For existing borrowers this may mean periodically searching the marketplace to obtain a good deal.

Your mortgage arrangements normally need to be considered within your overall financial circumstances. Thought will also need to be given as to how best to protect your home in the event of sickness, death or incapacity. You may be relying on investments to repay the debt and a pension to provide income to maintain your home in retirement.

Being independent financial advisers we are able to advise you on your overall financial circumstances or just your mortgage requirements. The choice is yours.

Our independence means that we are able to source a mortgage suitable for your circumstances from the marketplace using independent research software.

Our services

Expert Financial Solutions provide the following key areas of advice:

Residential mortgages.
Residential remortgages.
Investment (buy to let) mortgages.
Commercial property finance.
Purchasing commercial property using your pension fund.
Releasing capital from your home.
Analysis and advice on investments that you may have to repay your mortgage such as endowments or ISAs.
Advice on whether your existing financial arrangements will enable you to maintain your existing home in retirement.
Advice on protecting your home in the event of sickness death or incapacity.
Advice on inheritance tax planning and your family home.

Fees

Our advice is independent and fee based so we will consider all mortgages. It is likely that the lender will meet our fees on most residential mortgage cases.

Any fee charged would be agreed with you in advance of any chargeable work being done, the amount of any fee would depend on the size and complexity of the case.

For more information and advice please contact Expert Financial Solutions.

Important Note

Your home may be repossessed if you do not keep up repayments on your mortgage.

Further information on mortgages and other financial products can be found on the Financial Services Authority website – www.moneymadeclear.fsa.gov.uk/ and the Council of Mortgages Lenders website - http://www.cml.org.uk/cml/consumers.

Updated Sept 2007

Expert Financial Solutions Ltd are independent financial advisers (IFA) / financial planners based in Witney, Oxfordshire. We serve the local community in and around Abingdon, Banbury, Bampton, Bicester, Burford, Chipping Norton, Cheltenham, Cirencester, the Cotswolds, Henley on Thames, Kidlington, Lechlade, Oxford, Wantage, Witney and Woodstock. We specialise in pensions, retirement planning, pension annuities, investments including PEP, ISA, OEIC, unit trusts and investment bonds, and inheritance tax (IHT) mitigation and trust investment. One of our advisers is a Chartered Financial Planner and we are proud of having Oxfordshire's only Resolution qualified and accredited IFA for pensions on divorce.