Mortgage Wyse
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Mortgage Wyse are professional advisers who have been in the Financial Services Industry since 1989 serving the Milton Keynes and Newport Pagnell areas. We have access to the whole market for mortgages and a range of insurers for non-investment insurance contracts. Mortgage Wyse are able to provide you with mortgage advice on thousands of different mortgage products and rates including some that are not available on the high street.

We have access to some lenders with limited distribution channels like HSBC. Our role is to find you the most suitable mortgage tailored to your individual needs.
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Mortgage Wyse is a family business based in Newport Pagnell.
Andrew Sage, the principal, is a professional adviser who has been in the Financial Services Industry since 1989 serving both the Newport Pagnell and Milton Keynes communities.
He is both Certificate in Mortgage Advice and Practice (CeMAP) and Certificate in Regulated Equity Release (CeRER) qualified.
Since entering the financial services industry Andrew has been a direct sales person, an independent financial adviser, owned his own business and is currently the managing director of a small mortgage & insurance network.
Shopping around and the time this takes, understanding which lender to use, what product to have and getting the right repayment route are all reasons why people employ the services of a mortgage adviser.
With thousands of different mortgage products available the benefits of using a mortgage adviser are immeasurable and we provide an invaluable source of help and guidance over time.
We have access to lenders who only use a panel of mortgage advisers like HSBC.
Typical lender costs are the valuation (survey) fee and arrangement or booking fees for the particular product.
The experience of purchasing a property to call your home can be both exciting and frustrating.
One of the main objectives in deciding to purchase a property or moving, is getting all your facts, costs and information upfront.
If you need a mortgage find out what you can afford which will then dictate what price property bracket you can look to buy.
Employing the services of mortgage adviser will not only provide you with peace of mind that someone is guiding you through the whole process, but also that they are acting in your best interests and not those of some lender.
Many people re-mortgage and it represents the majority of applications and lending in most years.
A large amount of re-mortgage products in the market allow you to switch free of charge.
This means that the typical valuation fee and any normal legal costs are often paid by the new lender.
Switching lenders is as common today as buying a pint of milk.
Why do people do it!
Well mainly to obtain a better interest rate than their current lender is prepared to offer them.
Many people look to raise additional capital to pay for home improvements or to pay off accumulated debts.
You may have heard of some people owning more than one property and renting them out.
These properties that are bought and rented out are known as buy-to-let or investment properties.
In fact some people make a living out of buying and renting properties and are known as professional landlords.
The buy-to-let market is not one to be entered into lightly.
There are many pitfalls as well as advantages and understanding your market will make the difference of whether you decide to invest or not.
There are many tax implications such as additional stamp duty, whether to buy as an individual or via Ltd Company and how the rental income is treated.
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