Your mortgage is likely to be your biggest financial commitment and your home may well become your biggest financial asset. It therefore pays (quite literally) to get it right.
The way in which lenders assess your mortgage application has changed and they now pay far more attention to proof that you can afford the mortgage. The criteria that lenders use to make this assessment varies from one lender to another, so taking advice from a professional mortgage adviser is more important today than it has ever been.
On top of this, with umpteen different types of mortgages available from hundreds of mortgage providers, it can be difficult to work out which to choose. Yet getting the right deal can save you hundreds if not thousands of pounds over the term of your mortgage. The best solution is to consult an independent mortgage adviser.
Members of ATL now have access to independent mortgage advice for a preferential fee from Lighthouse. Their job is to find you the right mortgage whatever your situation:
- moving home
- first-time buyers
- raising capital
- right to buy
- buying a second home.
Their independent mortgage specialists will explain the various types of mortgages and recommend the most appropriate for your circumstances. They will then search the market to find a suitable deal for you and guide you through the application process, ensuring that, as an ATL member, you secure the mortgage you need at a competitive rate.
So if you're looking for your first mortgage, planning your next house move, or simply want to know that your existing deal is still the most suitable and cost-effective one for you, get in touch with Lighthouse Financial Advice. Their professional mortgage advisers take pride in putting the needs of their clients come first. Plus, they believe in responsible mortgage borrowing and make sure you are likely to be able to afford your mortgage not only now, but also if mortgage interest rates increase or if your lifestyle changes.
Preferential rate for ATL members
Lighthouse Financial Advice is offering this service to ATL members at the preferential rate of £250 per mortgage, payable when you have received a suitable mortgage offer. This fee may be offset against additional advice about insurance and protection policies that you take out through Lighthouse Financial Advice when you take out your mortgage. You are also likely to have other costs to pay when taking out a mortgage, for instance legal and lender fees.
* Buy-to-let (pure) mortgages are not regulated by the FCA.
Your home may be repossessed if you do not keep up repayments on your mortgage. There will be a fee payable to Lighthouse Financial Advice for this mortgage service. Other mortgage set up costs will apply as normal.
Lighthouse Financial Advice Limited is an appointed representative of Lighthouse Advisory Services Limited, which is authorised and regulated by the Financial Conduct Authority.
Lighthouse Financial Advice Limited is a wholly owned subsidiary of Lighthouse Group plc. Registered address: 26 Throgmorton Street, London EC2N 2AN. Registered in England No. 4795080.