Mortgages,    Remortgages,    Buy to Let,    Self Build,    Equity Release

Confused, Don't know who to turn to?

With a range of financial products and services so extensive and diverse, there has never been such an opportunity to find a mortgage which really suits your circumstances and aspirations.

With access to most lenders mainstream products, we are able to source the most suitable mortgage for you, without you having to spend hours contacting them individually.

In addition to this, we are able to obtain exclusive deals that are not available to the general public if you went direct.

With an open and honest approach, we believe that mortgages do not need to be overly complicated, leaving you to consider the important factors in your life.

Our advice is impartial and recommends the most appropriate and suitable products for your circumstances and eventual goals. The intention is to present well thought out proposal which provides choice, flexibility and value for money.

Our Service to you

Using our service will save you time and reduce your stress levels.

With access to over 150 UK mortgage lenders products, which are updated twice a day, we are able to source and recommend the most suitable mortgage for you, without you having to spend hours contacting them individually.

We will also help you:

* Complete all forms, ensuring accuracy of completion.

* Obtain all necessary documentation

* Submit to lenders on your behalf. Contact them on a regular basis to ensure administration process is completed as quickly as possible.

* Liaise as required with surveyors for speedy valuation and return of reports to lenders.

* Once a mortgage offer has been issued, contact solicitors (arrange if required) and liaise regularly to establish the date of completion of mortgage, once all their searches and other conveyancing matters have been concluded.

* Arrange suitable Life cover, Buildings & Contents cover and other insurances if required.

Chase through to satisfactory completion

Mortgages

Buying your home is often considered on of the largest financial decisions people can make. Therefore, the right assistance is essential when it comes to selecting the mortgage to accompany the transaction.

Teachersifa are happy to help with a number of mortgage related issues, including:


First Time Buyers -

Self Employed - With or without proof of income

Impaired Credit (CCJs, Arrears, etc)

Equity Release

Buy to Let ( Investment purchases)

Commercial mortgages

Re-mortgages

Gone are the days when borrowers stayed with their mortgage lender for the whole of their mortgage term. Today the astute borrower is looking to obtain a new preferential rate every few years.

                                        
At Teachersifa, we have transacted thousands of re-mortgages on behalf of our clients, ensuring they can minimise their mortgage payments.

We will carry out an assessment of your current lenders products, exit fees and all fees associated with re-mortgaging.

We will then advise you honestly, if it is financially worthwhile to remain with your current lender, or if it is your interest, move to another.

Buy to Let

Buying residential property with the view to letting it to tenants can provide investment opportunities outside of traditional saving. However, when borrowing to fund such projects, a careful balance needs to be maintained. At Teachersifa. we have valuable experience dealing with the lenders that offer the Buy to Let mortgages and understand the criteria that needs to be met. Before jumping in feet first, it would be extremely beneficial to discuss the financial matters related to letting property. Alternatively, for the more experienced landlord, we offer access to a diverse range of financial products and understand the pros and cons of each. For additional information , please use our contact page   The FSA do not regulate Buy to Let Mortgages

Self Build

Building your own home is a dream many of us aspire to. Trying to Arrange the finance however, can often be frustrating and problematic in this specialised area. With one of the directors having personal experience of building his own home, we can empathise with our clients and their requirements for effective and comprehensive stage payment mortgage facilities. We are generally able to obtain * Up to 95% Funding for land purchase * Up to 95% of Build costs. * Stage payments in advance * Comprehensive site insurances We have helped many self builders achieve their dream, why not you?

Equity Release

Your home has served you well over the years. Now with the mortgage paid, it is probably your greatest asset. Today, more and more people like you are discovering a way of unlocking some of the money tied up in their home. And then using it to make life more pleasant in a thousand different ways.

The Home Equity Release Mortgage is a special kind of loan developed especially for homeowners aged 60 and over. Although it is secured on your property, there are no payments to make and it lets you stay in the comfort of your own home for as long as you wish. Allowing you to enjoy some of the financial investments you have made in your house with absolutely no worries of having to give it up - guaranteed.

You must either own your home outright or use part or all of the loan to pay off any outstanding mortgage. There are no minimum income requirements and you can take out the mortgage either as an individual or with one joint borrower. If you are living with your spouse or partner then the loan must be applied for jointly. Both must be over 60 years and named as the legal owners of the property.

All the companies used are members of SHIP (Safe Home Income Plans). This means they adhere to the guidelines set to companies providing you with additional income or capital from your property.

For further details on anything mortgage related contact us by submitting via our web page or call us on

01656 784862