Mortgages

> New Mortgages

With the ever-changing mortgage market so competitive and complicated, it is our strategy to give you the individual treatment you deserve to ensure that the mortgage you select is the most appropriate to your needs. On top of this, we promise to continue to review your plans to accommodate changes in your life and/or career.

As well as advising on mortgages to move house, we also specialise in advice for other situations:

Second properties
Increasingly our clients will have more than one mortgage as part of their property portfolio.

Let-to-buys
You found the property of your dreams and you're desperate to move there as soon as possible. However, you can't sell your current home in time. We can help.

Overseas properties
Whether it's Spain, France, USA, Portugal, Italy or anywhere else in the world, we'll do all we can to help you finance your dreams.

In all of these situations, our advisers have a wealth of experience in finding solutions to all your mortgage needs, so give us a call or fill in the online form below.

> Remortgaging

With the value of their homes rising dramatically over the last few years, many clients are choosing to remortgage their properties, to achieve some or all of the following:

Better deal
If you think that you are paying too much for your mortgage, or you have come to the end of what was an attractive deal, call and talk to us to see if we can get you a better deal.

Releasing equity
You may want to carry out home improvements, buy a second home, buy a new car, or perhaps go on a special holiday. By remortgaging you can release money tied up in your home's equity.

Consolidating debts
You could clear all or some of your outstanding debts or consolidate them into a single affordable monthly payment. We have many clients who have benefited from this approach.

Transfering equity
It's an unfortunate fact of life, but marriages and partnerships still break up in high numbers. Divorces and legal separations often force one partner to find the necessary funds to pay off their partner's share.

Unhappy with existing lender
You may simply be unhappy with the level of service you receive from your current lender. By changing now, you could reap some or all of the benefits we've listed, and move to a new, more suitable lender at the same time.

There are many more reasons why a client may feel the need to update their mortgage. At McGirl's Money Management we're dedicated to helping you make the right decision.

> Further Advances

You may be happy with your current lender, or tied into a product that has heavy redemption penalties. Sometimes the best course of action is to raise extra funds from your existing lender or apply to another lender for a second loan on your home. However, this route is not always as simple as it seems, so a meeting with one of our McGirl's Money Management advisers will help you to decide the best course of action.

Think carefully before securing other debts against your home.

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

> Our Mortgage Charges

There may be a fee for mortgage advice. The charging of such a fee will depend upon your circumstances but if we charge a fee, we estimate that it would be a maximum of 1% of the loan amount

> The Next Step

For more information about the mortgage services we can offer you, please fill in the following information and click the Send button. We'll get in touch with you to discuss your mortgage needs.