Mortgages

For many of us a mortgage represents one of the biggest financial commitments that we will make during our lifetime so it is important to ensure that your mortgage arrangements are suited to your needs and competitively priced.

Why Amber Wealth Creation for mortgage advice?

• We have a great deal of expertise in helping our clients arrange mortgages and included in our team is a specialist mortgage adviser with considerable experience in providing mortgage advice and dealing with lenders.
• Our mortgage advice is independent as we are not tied to a single mortgage lender.
• We use bespoke mortgage research software to search the marketplace and combine the results with our experience, and knowledge of your particular financial circumstances and objectives.
• We will research all mortgage products available to our research software including those where the lender will only deal directly with the client and not via a mortgage intermediary. You can therefore be sure of truly independent advice.
• Being independent financial advisers we can also provide advice on any investment you may have to repay your mortgage as well as and mortgage protection products you may need such as life assurance and critical illness cover.

A summary of our mortgage services

We can provide you with help and advice on the following:

• A residential mortgage.
• A residential remortgage.
• Purchasing investment property (buy to let).
• A commercial mortgage to purchase business property.
• A commercial mortgage to purchase business property via your pension scheme.
• Releasing capital from your home (equity release).
• Advice on any investments you may have to repay your mortgage.
• Advice on protection plans associated with mortgages such as income protection or life assurance.

Our fees

We will agree a fee with you in advance of any chargeable work being undertaken. The amount charged may vary depending on the complexity of the case and your circumstances. Please contact us for a no obligation quotation.

Where a lender pays a fee towards our costs this will be taken into account when calculating our fees.

Typical fees to source a suitable mortgage and submit an application to a lender are £250 (plus VAT). We may also receive a payment from the lender towards our costs which is normally 0.33% of the amount borrowed. 

Further information about mortgages can be found on the Council of Mortgage Lenders website – www.cml.org.uk/consumers and the Financial Services Authority website – www.moneymadeclear.fsa.gov.uk.

Your home may be repossessed if you do not keep up repayments on your mortgage.
Amber Wealth Creation Ltd is authorised and regulated by the Financial Services Authority. FSA Registration No: 401162.
Please note that the Financial Services Authority does not regulate taxation and trust advice, wills, bank deposits, national savings and some forms of buy to let mortgages and commercial mortgages.