Purchasing a property can be difficult. After all, there are several standards, stages, and tasks, and you might be concerned about making a costly error.
We're here to breakdown what to expect from the actual buying process, as well as advice to make life easier after you buy your first house, in an effort to demystify the process and ensure that you get the most out of your purchase.
Your home may be repossessed if you do not keep up repayments on your mortgage.
At Next Chapter Mortgages, our mission as mortgage and insurance brokers is to provide you with detailed and transparent information about the benefits, risks, and costs of any mortgage service or insurance product we recommend.
We are dedicated to clarity, ensuring that all information is presented fairly so you can fully understand what to expect from the mortgage or insurance solutions we suggest.
Finding your first house is no easy endeavour, especially if you also need to acquire a mortgage. But how can getting your first mortgage and buying your first house be made simpler? We can help you source your own first mortgage if you want to get your foot on the housing ladder.
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We can assist you if you want to move or are looking to buy a new house. We will conduct a thorough analysis of your financial situation, inform you of the maximum amount you are eligible to borrow, and recommend a deal that is suitable for your needs. Additionally, we will arrange a free agreement in principle, providing you peace of mind when making that crucial offer. To ensure that you have the necessary funds to buy your dream property, we will illustrate all estimated costs.
Contact UsIt is very wise to review your mortgage near the conclusion of any initial discount period since you might be eligible for a mortgage with a lower interest rate or one that is more suited to your needs. Many financially responsible people decide to switch their mortgage to one with a better rate or more flexible terms, whether it's with the same lender or a different one. Remortgaging includes getting a new loan on property you already own, so weigh the benefits and drawbacks carefully before determining if it's a good option for you.
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There are a few things to think about before committing if this is your first time purchasing a home with the intention of renting it out. These range from investigating the rental market as a whole, learning about prospective neighbourhoods, and locating the right mortgage deal. We can ease this process and possibly put buy-to-let within your reach.
We can assist you in growing and diversifying your rental portfolio once you've gained some expertise with what buy-to-let implies. We'll constantly try to provide you the wider picture because more buy-to-let market activity entails higher financial instability. Additionally, we will take into account your future goals before advising you because your financial and life plans are inextricably linked.
Contact UsSome buy to let mortgages are not regulated by the Financial Conduct Authority.
Most of us have at least heard of the destruction that may follow illness or death. You're shrewd enough to understand that the correct safeguards can prevent a tragedy or misfortune from turning into a significant financial catastrophe. And you are aware that having a solid coverage with a reputed insurer is necessary for this.
There are many pre-packaged insurance options available, but they can be pricey or, worse still, leave you vulnerable when you most need their protection. Always, we will adjust our advice to fit both your particular needs and your budget.
Contact UsYou value your house a lot. We want to return there at the end of the day because it is a safe haven and the heart of the family. Therefore, it must be worthwhile to safeguard that with buildings and contents insurance, or, as it is more formally termed, house insurance.
The problem is that you can question your need for it and perhaps regret having to pay for it. That is, until something goes wrong and you realise how fortunate you were to have taken precautions to protect yourself.
In order to assist you understand the coverage you require, we will explain the two very dissimilar forms of insurance that together make up house insurance.
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The guidance and/or information contained within this page is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Next Chapter Mortgages, a trading style of Next Chapter Mortgages Limited is an appointed representative of HL Partnerhsip Limited which is authorised and regulated by the Financial Conduct Authority.
Next Chapter Mortgages Limited are registered in or Scotland. Regestered No: SC755029 Registered Office: 18 Hogan Place, Dennyloanhead, Bonnybridge, Stirlingshire, Scotland, FK4 1FB
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £99 to £299 and this will be discussed and agreed with you at the earliest opportunity.
