First-Time-Buyer Mortgages

We understand that applying for a mortgage is a big step. Maybe one of the biggest you will make in your lifetime. We are here to help you with it, every step of the way. 

There are a number of decisions you will need to make when applying for/obtaining a mortgage:

• How much should I borrow?
• Which lender should I borrow from?
• How long should I borrow for?
• Should I request a fixed or variable rate mortgage?
• Which type of mortgage protection cover is best suited to my needs? 

Clear, Simple and Concise Advise

We are here to explain all of the choices available to you in simple, concise language, allowing you to make a fully informed decision.

We will guide you on the decisions you need to make, based on your personal and financial circumstances, so you won’t have to second guess yourself. 

The Best Mortgage Available

At Symmetry Financial Management, we specialise in helping you source the best mortgage, specific to your requirements. We will work with you to help you obtain a mortgage and guide you through the mortgage application process from start to finish.

We will assess the wide range of lenders in the market, and provide you with a number of choices. We will also recommend the mortgage term, rate and lender that is most suitable for you and your goals.

We will also help you get the best rate on your mortgage protection insurance.

Switch and Save on your Mortgage

There are many aspects you need to look at before you decide to switch your mortgage. Our team at Symmetry Financial Management is here to help you discover what options are available to you, which option best suits your needs, and to make the entire process as easy as possible.

For instance, we will look at all of the points below to assess your financial situation to help you to see if switching your mortgage is the right choice, and which option best suits your needs:

• Your Loan-To-Value ratio
• The outstanding balance of your mortgage
• Your current mortgage rate
• Whether or not you are in negative equity
• Your remaining mortgage term
• Your current mortgage repayments
• Whether or not you meet the criteria of the banks
• The bank’s switching policy
• Your credit rating

Once you know where you stand, and what options are available to you, deciding to switch is a straight forward process. Speak to one of our advisors today to get started and see how much you can save on your mortgage.

Thinking of Becoming a Landlord?

Buy-To-Let (BTL) mortgages are aimed at people who want to buy property and become landlords. We are here to help you to evaluate your financial status to see if this is the right move for you.

There are steps to be taken before embarking on this type of investment, particularly for the first time. To become a landlord, you must be prepared, and you need to be ready to take on the responsibilities that come with it.

Our team are here to work with you before you buy, and advise you through each step of the process. 

Together, we will work out exactly what is included in the sale so there are no nasty surprises. We will help you to budget carefully for fit-out costs and any other associated costs such as stamp duty and solicitor fees and help you to ensure you obtain legal advice in regard to any proposed lettings.

If you are thinking of becoming a landlord, speak to one of our team today and we’ll help you to get started.

Find The Best Move For You

If you are looking to trade up, or downsize, or you have just decided you would like to sell and buy a new home, we are here to guide you through the entire process from start to finish.

The process is much the same as it is for first-time buyers, but now there is a 20% deposit required, and your circumstances and financial goals are likely to have changed.

Are you planning to keep your existing property or sell? Can you rent out your second property, is it feasible?

We can help you determine how feasible it is to maintain two properties, with one being rented out.

We will assist you in assessing the key factors that will help you to decide if this is the right choice for you and your financial goal, such as:

• Your current mortgage balance, term and rate
• The property location and likely rental income
• Your financial situation and short term and long term goals

Our mortgage consultants are on hand to speak with you, meet with you, advise you, and help you along through the entire process, no matter the query.