To help you understand how much you may be able to borrow try The Money Helper* this will provide you an approximate amount you will able to borrow but please remember the amount varies from lender to lender and will also depend on things such as dependants, term of your proposed mortgage and monthly credit commitments. In most cases taking out a joint mortgage increases the amount you will be able to borrow if you are both in paid employment/self-employed but the most important thing to consider is being comfortable with the monthly payments, not just now but for the whole term of the mortgage.
The calculator is provided for information purposes only and does not contain all of the details required to choose a mortgage. Make sure that you read the separate Key Facts Illustration (KFI) provided before you make a decision. The information provided by the calculator does not constitute formal mortgage offer.
Once you know the cost of your new mortgage payments, new insurance policies, solicitor and estate agent fees, make time to find out about moving-day costs. Whether you’re a first-time buyer or a seasoned home mover, it’s important to know and prepare for these costs, which can be surprisingly high. Here at More Than Financial we can help you understand the likely costs before you make a commitment.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
*By clicking on one of these links you are departing from the regulatory site of More Than Financial. Neither More Than Financial nor Quilter Financial Planning is responsible for the accuracy of the information contained within the linked site.
Having worked for 18 years in the financial services industry I would like to feel I know what I am looking for in a trustworthy and professional financial adviser; especially for company ‘key man’ protection.
From the outset Lorne has shown patience, professionalism and given updates and clear explanations when required.
He anticipates situations early and leaves you feeling that nothing is too much trouble – and it isn’t !
Paul L
May I thank you hugely for your assistance with my elderly client, who had recently been told by her existing mortgage lender that her interested only loan would have to be repaid within 3 months, due to the term expiring and the fact that she was over 75 years of age.
She came to me in a state of anguish at the thought of possibly losing her home.
However, you were able to provide reassurance to her quickly and efficiently enable her to re-mortgage onto a lifetime mortgage product, which will enable her to continue making low repayments and stay living in her home for the rest of her life.
unlike the quite release scheme that she has previously been looking at the equity in her home will be retained for her to pass onto her children, for which she is very grateful.
many thanks again. I will continue to refer clients to you with confidence.
Matt B
Mortgage Advice
A little while ago I decided to get back on the housing ladder and purchase a property. This was not as straight forward as you would think due to the fact I had a minimal deposit due to business issues stemming from the credit crunch. Not to be put off Lorne got to work and secured a mortgage for me with a main stream lender with the minimal of fuss.
Andrew S
Mortgage Advice
A few months ago we decided to move house and asked Lorne if he could advise us on a change of mortgage. He quickly put a plan into action and met with us at our home, to get the information he needed, at our convenience.
P Wilson
Mortgage Advice
Following your personal and professional service, we now have peace of mind and can’t thank you enough for organising everything. We were very impressed and we will be continuing to use More Than Financial in the future. We will also recommend you highly to all of our family and friends.
E Wilson
Protection
