Your mortgage is probably the largest and most complicated financial transaction you will ever undertake. We’re here to make sure you get it right. Our experience and expertise allows us to guide you at every step of the way, ensuring the process runs smoothly and efficiently.
As whole of market mortgage brokers we have access to a wide range of UK mortgages and re-mortgage products including fixed rate, interest only, capped, discount and variable interest rates and buy to let mortgages, from many different lenders. Once we understand your individual circumstances and needs, we will be able to research the mortgage market and recommend the most suitable mortgage deal for you. As part of our service, we will deal with the lender on your behalf, taking the stress out of the process for you.
We can also help ensure you have the right insurance and protection in place to cover you and your home.
So, if you are looking for expert advice to help secure your mortgage, please get in touch with us.
The prospect of buying your first home can be both daunting and confusing. Our aim is to guide you through the process from start to finish so that you understand exactly what the purchase entails and how much it will cost.
The mortgage market changes all the time, not just in terms of mortgage deals and regulation but also in the way lenders assess loan applications.
Some of the changes have been in the way mortgage lenders assess the suitability of all clients for the different types of loan on offer. They base this decision on a variety of factors, primarily:
There is now more focus on affordability and expenditure. This is very different to the traditional approach of simply multiplying your annual personal (or rental) income by a pre-set multiple to obtain a maximum lending amount.
We pride ourselves on being up to date with regulation, legislation and the economic market.
We understand your needs, match that to the requirements of lenders, and protect you and your dependants once you have bought your property.
This way, we help you save time and money in the new world of mortgage advice.
A significant advantage to being a first-time buyer is that there is no chain, making a first time buyer more appealing to sellers.
Our whole of market mortgage advisers are able to provide you with the correct advice for your particular circumstances. We will guide you through the process, explaining clearly what schemes are available and the varying deposits needed. We’ll talk you through everything you’re uncertain of and ensure you get the right mortgage suited to exactly what you need.
To talk through your requirements, give us a call today.
The Financial Conduct Authority do not regulate some buy to let mortgages.
Moving to a new home is an exciting chapter, but it comes with its own set of challenges. At Novus Financial Solutions, we understand the complexities involved in transitioning from one home to another. Our team of experienced advisers offers tailored mortgage solutions designed specifically for home movers. We take pride in simplifying the home-moving process, ensuring that every step is smooth and stress-free. Our personalised service means we work closely with you to understand your unique needs and preferences, providing clarity on your mortgage options and helping you secure the most suitable deals available. From the initial consultation to the final approval, our fully qualified advisers are with you every step of the way, offering expert guidance and support. With Novus Financial Solutions, you can move forward with confidence, knowing you have a trusted partner dedicated to making your home moving experience as seamless and enjoyable as possible.
Remortgaging is the process of switching your existing mortgage to another lender, or a different product with the same lender, usually to lower the monthly payment.
You are not obliged to stick with your original lender for the full mortgage term, and you can move to another lender at any time to get a lower interest rate – you don’t have to be buying a new home. Remortgaging could save you hundreds or even thousands of pounds over the term of the mortgage. It is important to note that early repayment charges may be applied by the existing lender.
As part of our service we will review options with your current lender against whole of market to ensure you’re getting the best advice.
We will be pleased to help and advise you further on how to switch and save.
Novus Financial Solutions is a trading style of ASW Associates Ltd which is an appointed representative of Quilter Mortgage Planning Limited which is authorised and regulated by the Financial Conduct Authority.