Mortgage Advice

We offer a free initial enquiry to all prospective clients. Many mortgages are handled on a no-fee basis although we may charge a fee, particularly on smaller or more complex cases. If you are re-mortgaging, looking at buy-to-let, a first-time buyer or buying your next property, or if you require a commercial mortgage, just call 0345 013 6525 to speak to a mortgage specialist, or use the Contact Form to give the basic details of your enquiry and request a call-back.

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Why Devine Financial Management for mortgages?

Buying a home may well be one of your biggest financial commitments. It can also seem one of the most daunting. There are hundreds of lenders, and thousands of offers, to choose from. There are repayment, interest-only, endowment, pension-linked and ISA mortgages. These can have interest rates which are fixed, variable, capped, collared and capped, discounted, tracker or cash-back. With all this to compare and contrast, how can you be sure of making the right choice?

The answer is to use Devine Financial Management Ltd.. Our highly experienced and skilled mortgage specialists will take the time to get to know your circumstances, objectives and preferences. Being independent, we really do research the entire market, using sophisticated I.T. systems, to find the most appropriate mortgage for you.

Buying Your New Home

Once we have recommended a suitable solution we will ensure you have the following information before you complete on your property:

  • The reasons for making our recommendations
  • The repayment method and period
  • The consequences of early repayment
  • The type of interest rate: variable, fixed, discounted etc.
  • Your repayments after any fixed or discounted period
  • Whether you have to take any insurances with the mortgage, and if so the cost of such insurances
  • The costs and fees involved with the mortgage, such as valuation, arrangement and lending fees
  • Whether your selected terms can be continued if you move house.

Fees:

For advising on mortgages we can be paid by commission, and/or a fee of typically £250.
Please Note:

  • Your home may be repossessed if you do not keep up repayments on your mortgage.
  • The Financial Conduct Authority does not regulate some forms of mortgages.
  • For buildings and contents cover, accident sickness & unemployment cover, we usually select products from a selected panel of providers