Jigsaw Money Management
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Jigsaw Money Management
We are Jigsaw, an award winning family business offering local, independent advice for whole of the market mortgage and insurance products. Our bespoke service covers all kinds of mortgage products, whether you are looking to purchase, re-mortgage or invest in property. Contact your local adviser for more information.
Services
At Jigsaw Money, we have expert mortgage advisers that specialise in first time buyer mortgages.
If you are purchasing a property for the first time, getting the right mortgage advice is crucial.
You should find out how much you will be able to borrow before looking for a property.
A meeting with an adviser will allow you to know how much you could borrow, how much deposit you will require and approximately how much your mortgage repayments will be.
Most lenders will lend up to age 70 however a small selection of lenders will lend over this age.
Moving home is meant to be one of the most stressful things a person can do.
However, it doesn't have to be.
At Jigsaw Money, our expert advisers make sure that arranging your mortgage is completely stress free.
When looking to move home, there are a couple of things you need to do before arranging a mortgage.
The first step is finding out how much your current property is worth.
Inviting an Estate Agent round to value your property is the best way of doing this as they have the knowledge of the property market and they will be able to give you an accurate valuation.
If your current mortgage is coming to the end of its fixed period or if you are on the lenders Standard Variable Rate, Jigsaw Money can help you find the best mortgage deal that could save you money.
Saving Money - Interest rates vary all the time and you could find that the interest rates have reduced since taking out your mortgage.
The reduction in interest rates could equate to hundreds of pounds of savings.
Property prices also fluctuate and you could find that as the value of your property has increased, you could be eligible for more desirable interest rates.
Investing in property can be considered as a safe investment.
Whether you are looking to invest in your first buy to let property or you are an experienced landlord, your Jigsaw Money Adviser will be able to find the mortgage that is most suited to you.
When you have found a property that you are looking to purchase, you should meet with a Jigsaw Money Adviser to see how much you are able to borrow.
Securing a buy to let mortgage is not as straight forward as a residential mortgage as the loan amount is determined by the rental income that you will receive from the property.
If you are over the age of 55 and wanting to release equity from your property, a lifetime mortgage may be an option for you.
A Lifetime mortgage is when you borrow money secured against your home, while retaining ownership.
This means that your home still belongs to you and you can continue to live at the property.
When you die or move in to long term care, the property is sold and the money from the sale is used to repay the loan and any interest that would have been added.
A Lifetime Mortgages often offer a no negative equity guarantee (Equity Release Council standard).
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