Peter Hancock
Financial Planning Ltd.
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For most of us,
a mortgage is the biggest financial commitment that we will ever undertake.

So it makes good sense to be sure that you’ve selected the most competitive and suitable lender for your own individual circumstances.

You could take a week off work and ‘hike around the high street’ or ‘trawl through a 100 websites’ and spend hours on the phone speaking to a ‘faceless’ someone in a call centre...................Or you could call me and get the advice of an independent mortgage adviser with over thirty years experience.

I use this ‘working lifetime’ of experience to help assess the individual needs of all clients before making any recommendations. Having worked for a Building Society myself gives me certain advantages as I will look at a case from all angles and work out any potential pitfalls or problems before presenting it to the most suitable lender.

The ‘credit crunch’ has had an adverse effect on the current housing and mortgage market however both are now starting to show signs of a recovery. Many mortgage lenders however have not been quick enough to re-enter the market as far as first time buyers are concerned. I feel that it is this area in particular where attention to detail and a good financial adviser is needed to help young people to get started with owning their first property.

There are many different costs attached to setting up a new mortgage and a full financial ‘check up’ on the arrangements fees and other charges is needed before a choice can be made. Often the benefits of a very low ‘headline’ interest rate can be lost when all the other ‘setting up’ costs are taken into account.

I use an ‘online’ search system that compares the mortgage deals from the majority of available lenders in seconds. This system does detailed cost comparisons and analysis of all of the available mortgage schemes which include the effect of these ‘upfront’ fees on your overall borrowing costs.

If you need advice on a new mortgage or you simply want to check out the terms and conditions on your existing loan click the email link to contact me with you details.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Our typical fee is £395 which is only payable once we've gained your mortgage offer from the lender.

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