Mortgages
Your property may be repossessed if you do not keep up repayments on your mortgage.
At any one time there may be hundreds of different mortgage options, only some of which will meet your needs.
While spending your lunchtimes and Saturdays walking from one bank or building society to another will normally get you a mortgage, at Integra Finance Ltd we can research the whole market saving you precious personal time and we may well be able to get you better terms than banks/building societies.
A Mortgage Adviser will use powerful computer databases as well as their knowledge of the market to sort through the vast range of mortgage products and identify the best ones for your current circumstances.
That done, a personal mortgage administrator will also actively monitor the process of actually completing on the mortgage, ensuring that all the parties (lawyers, lender, estate agents, yourself) etc have all the right documentation at the right time. This is an essential part of the service, as all too often communication breakdowns lead to otherwise unnecessary delays and complications, and their role is to ensure that all progresses as smoothly as possible. You can rest assured knowing that you will always have someone you can talk to regarding your mortgage as we understand that this is a huge personal commitment and an important stage in your life.
If you are asking yourself the following questions then you may benefit from speaking to one of our Mortgage Adviser:
- How much can I borrow?
- How much will the monthly payments be?
- What fees are involved in buying a property?
- What is the best rate for me?
There could be many different reason why you need a mortgage
Buying a Property?
At Integra Finance Ltd, we can find the most suitable mortgage for you, whether you are a first time buyer or home mover. Selecting the right type of interest rate is a complex area, and the role of a Mortgage Adviser is to help you find the mortgage that suits your needs. The actual rate available will depend upon your circumstances. Contact us to arrange a consultation.
Clearing Debts?
If you have accumulated large overdrafts or credit card bills, and are finding it hard to reduce the outstanding balances, then a Remortgage can be used to reduce your monthly payments, especially if you bought your existing property a few years ago. The actual rate available will depend upon your circumstances. Contact us to arrange a consultation.
Think carefully before securing other debts against your home. Your property may be repossessed if you do not keep up repayments on your mortgage.
Releasing Capital?
A remortgage can be a very effective way of raising the capital you need for building an extension, converting your loft for additional room or to purchase another property, call one of our advisers for more information on releasing capital from your property.
Equity release will reduce the value of your estate and can affect your eligibility for means tested benefits.
This is a lifetime mortgage or home reversion plan. To understand the features and risks, ask for a personalised illustration.
Your property may be repossessed if you do not keep up repayments on your mortgage.