MORTGAGES
Residential and Commercial Mortgages
If you require finance to purchase a property, need to remortgage, or
raise capital it is strongly recommend that you obtain the best quality
mortgage advice before you commit yourself.
The quality of mortgage advice and speed of service can often be critical
in making sure that your purchase completes on time.
Our advisers have many years experience in the mortgage market, and we
are independent, which means we are able to source the whole market in order to secure the most competitive and suitable deal
available.
- First time buyers
- Homemovers
- Remortgages (to reduce current payments or to raise capital)
- Secured Loans (Second charges)*
- Buy-to-Let* Investment mortgages
- Self Certification (no proof of income)#
- Lifetime Mortgages (also known as Equity Release)**
- Commercial Mortgages* and Remortgages (with or without accounts)
- Bridging Finance*
# Whilst some mortgage lenders do not require evidence of an applicant's earned income, Hallmark Financial Services Ltd will not advise upon any mortgage transaction without being satisfied that the mortgage repayments are affordable by the applicant. This could be in the form of one or more of the following : employed payslips, employment contract, employers reference, self employed accounts, tax assessments, accountant's reference, detailed budget plan, bank statements, clean credit/mortgage history where new mortgage payments will be the same level or lower than on a current mortgage. Please contact us should you have any questions regarding the above.
Click here for the Financial Services Authority’s guide on what do if you are unable to maintain your mortgage payments. Please contact us should you have any further questions regarding this.
* The Financial Services Authority (FSA) do not regulate Commercial Mortgages, Bridging Loans & some forms of Buy-to-Let mortgages. Your home may be repossessed if you do not keep up repayments on your mortgage. ** To understand the features and risks of a Lifetime Mortgage, ask for a personalised illustration. There may be a fee for Mortgage Advice. The maximum fee will be £995 but the precise amount will depend upon your circumstances and will be disclosed prior to any financial commitment. ***
Please contact us for more information or to arrange a free initial meeting.
