Are you your looking for a Remortgage choose from a fixed rate mortgage up to 100% and interest only options. With a wealth of experience, Eddie can help. Contact us today. We have provided financial advice for over 25 years, covering all types of mortgages for properties throughout Aberdeenshire. All you need from Insurance to pensions.
I am your local fully independent Mortgage advisor and broker based in Aberdeen with a wealth of experience in the Mortgages, Insurance market helping you find the right solution for your needs whether you are employed or self employed.With a wide choice of products available for both first time buyers, people looking to remortgage and buying a property to let.
I provide the best advice. Open Monday to Friday 9-5pm, I can also travel to you in Aberdeen* if required to find out what products you require. All the information I provide is in an easy to understand format and of course should you have any questions, I will be happy to answer them on finance related matters giving you the full picture allowing you to make the right decision.
I am your local fully independent Mortgage advisor and broker based in Aberdeen with a wealth of experience in the Mortgages, Insurance market helping you find the right solution for your needs whether you are employed or self employed.With a wide choice of products available for both first time buyers, people looking to remortgage and buying a property to let.
I provide the best advice. Open Monday to Friday 9-5pm, I can also travel to you in Aberdeen* if required to find out what products you require. All the information I provide is in an easy to understand format and of course should you have any questions, I will be happy to answer them on finance related matters giving you the full picture allowing you to make the right decision.
Services
It may well be possible to get a mortgage from your bank, but will it be the best deal for you?
With independent advice we source the best deals from the whole of the market.
Not only do you get the best deal, most of the work is done for you, so why would you ask anyone other than an independent expert when it comes to your mortgage?
By the time you apply for a mortgage, you should already have met with us so that we can determine your price range, and advise on any potential issues.
Then when you are ready to put in an offer, we will put you in touch with our recommended solicitor who will handle all that for you.
With independent advice we source the best deals from the whole of the market.
Not only do you get the best deal, most of the work is done for you, so why would you ask anyone other than an independent expert when it comes to your mortgage?
By the time you apply for a mortgage, you should already have met with us so that we can determine your price range, and advise on any potential issues.
Then when you are ready to put in an offer, we will put you in touch with our recommended solicitor who will handle all that for you.
Some lenders will consider lending on a second home that is to be used as a residence for a family member, but not all.
However, they may limit the loan to value on a second property, and will take into account the cost of running 2 homes.
Therefore affordability will be tighter.
Apart from the mortgage itself, the main additional cost is an extra 4% stamp duty land tax if you are buying a second property without selling your existing property.
In general you will have the cost of running 2 properties, and paying 2 mortgages, therefore it will be important to consider the effect of any changes to your future circumstances, or changes to interest rates.
However, they may limit the loan to value on a second property, and will take into account the cost of running 2 homes.
Therefore affordability will be tighter.
Apart from the mortgage itself, the main additional cost is an extra 4% stamp duty land tax if you are buying a second property without selling your existing property.
In general you will have the cost of running 2 properties, and paying 2 mortgages, therefore it will be important to consider the effect of any changes to your future circumstances, or changes to interest rates.
How much of your lifetime is spent working to buy your home?
If the answer is "most of it", then your home is probably one of, if not the, most valuable asset you have.
All the more reason to have it properly insured.
As with most insurance policies, cover and cost can vary considerably from one insurer to the next.
However, as with most things in life, you usually get what you pay for.
As professional advisers, we recommend cover of the highest quality, and at competitive prices.
We want to feel confident, as you do, that you have comprehensive cover at your back, should you have a claim.
If the answer is "most of it", then your home is probably one of, if not the, most valuable asset you have.
All the more reason to have it properly insured.
As with most insurance policies, cover and cost can vary considerably from one insurer to the next.
However, as with most things in life, you usually get what you pay for.
As professional advisers, we recommend cover of the highest quality, and at competitive prices.
We want to feel confident, as you do, that you have comprehensive cover at your back, should you have a claim.
The answers to these questions may not make good reading for anyone who is not already financially independent.
If you have good cover within your employee benefit package, then you are one of the lucky ones, but if not, then it is worth considering how much income you would need, when you would need it, and for how long, if you could not work through ill health.
This style of cover is different to Critical Illness Cover, because it can be claimed on time and time again, and is designed to pay out if you are medically diagnosed as being unable to work through ill health.
If you have good cover within your employee benefit package, then you are one of the lucky ones, but if not, then it is worth considering how much income you would need, when you would need it, and for how long, if you could not work through ill health.
This style of cover is different to Critical Illness Cover, because it can be claimed on time and time again, and is designed to pay out if you are medically diagnosed as being unable to work through ill health.
A high percentage of people within the UK have no life cover.
There could be various reasons for this, including apathy, cost, thinking that the unforeseen only happens to other people; but life happens to all of us sooner or later.
If someone dies, worrying about money is the last thing you should be concerned about, but sadly it is often one of the first.
Car, pet, holiday, and TV insurance etc, are often considered more important than insuring the people who pay for it all.
If you total your future lifetime earnings, what are you worth to your family?
There could be various reasons for this, including apathy, cost, thinking that the unforeseen only happens to other people; but life happens to all of us sooner or later.
If someone dies, worrying about money is the last thing you should be concerned about, but sadly it is often one of the first.
Car, pet, holiday, and TV insurance etc, are often considered more important than insuring the people who pay for it all.
If you total your future lifetime earnings, what are you worth to your family?
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