The biggest asset for most people is their home. Whether you are a first time buyer, looking to review your current mortgage, or you are building a buy-to-let portfolio, we can help.
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The mortgage market changes daily, from rates to lender requirements, below are some areas of consideration when assessing your lending needs. We can help answer questions on these, or review how your current mortgage stacks up.
- Rate isn't the only consideration, some lenders have strict criteria, that not all clients will be able to meet
- Has your mortgage switched to the Standard Variable Rate? If so you could be paying more than you need to.
- Mortgage terms and initial fixed rates can be bespoke to your requirements
- Interest rates can be fixed, variable or track an index like the bank base rate
- Some mortgages have initial product fees, exit penalties and other variables
- Borrowing rates change daily, is yours the best you can get?
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Think carefully before securing other debts against your home.
Getting the best out of your property
Pure Wealth Advisors can search the mortgage market, sourcing and recommending the best solutions to meet our clients’ personal objectives. Utilising the latest technology, we are able to offer full advice and recommendations to clients across the whole of the UK, either face-to-face, through video calling or by telephone.
Our Highly qualified team can offer you help with:
- Residential Mortgages
- High Loan to value deals
- First Time Buyers
- High Net Worth Lending
- Able to search mainstream lenders as well as Private banks and specialist lenders
- Sourcing the lowest rates
Pure Wealth management are proud to have an experienced team with a comprehensive skill set to ensure no matter what your scenario, whether you are a high net worth individual with complex lending requirements or you are branching out to purchase your first buy2let investment property you will receive the required expertise.
Furthermore, as a Pure Wealth client you will also have access to the wider Pure group, so should you have specialist lending requirements such as:
- 2nd charges
- Bridging finance or
- Business and Commercial Finance,
We will offer a smooth introduction to a member of our specialist team.
Pure Wealth and the wider Pure Group will offer everything you need to ensure your borrowing requirements are looked after through this rapidly changing financial environment.
But why use an Advisor?
Our dedicated mortgage advisors are experts in their field. They use their industry knowledge to first listen to your objectives and then find the best product that suits your requirements. This could be based on budget, flexibility, product features or current lender criteria which can change daily. Our advisors take the stress away from our clients, dealing with the lending application from start to finish saving clients’ time and the requirement otherwise to explain yourself many times over.
Even if you are not moving home, speaking with one of Pure Wealth’s advisors could be financially beneficial for you. In an ever-changing market mortgage interest rates offered by lenders change on a regular basis and it is our job to analyse your current financial circumstances to ensure you are not paying more than you need for your borrowing.
Take control now to avoid spiralling rates
Recent statistics show that 46% of UK mortgage holders are currently on a banks standard variable rate. This is the highest rate offered by a lender and importantly the rate that most mortgages automatically switch to once their initial rate expires. This can typically be between the first 1-3 years of a mortgage, which is why we would encourage all clients to have a no obligation conversation with one of our mortgage team.
source: www.walesonline.co.uk Sept 2020
Why use us?
Pure Wealth are a mortgage advice practice that offers straight forward mortgage advice as well as having the expertise to deal with some of the more complex mortgage and lending requirements for our clients. We remain unbiased and offer our clients advice based on their individual needs ensuring they have peace of mind that their borrowing is looked after. This is typically the largest outgoing for our clients and quite often the first step to building a financial plan.
We source for the best rates throughout the market, to help reduce your outgoings
We can help with First Time Buyers, Residential, buy-to-let and High Net Worth Lending
Pure Wealth will manage the process and do the heavy lifting for you
We'll compare various initial rates, product fees and terms on a level basis, to make things clear
Experience in the mortgage market is key, to save wasting time on rates you may not be able to secure
As a first time buyer I knew very little about getting a mortgage. However Jodie at Pure Wealth took care of the whole process and made it extremely easy for me. Jodie is professional, helpful and exceptionally knowledgeable. I couldn’t recommend her enough.
Thank you so much for all your time and hard work!
Sam Frowen, Windsor
Jodie has been brilliant, as first time buyers we never felt in the dark, the process for getting a mortgage and what we could expect to get was very clear from the start. The application forms arrived quickly and any questions we had were dealt with fast and a mortgage offer obtained just as fast. Jodie has been friendly and always approachable throughout, making a daunting process very easy and stress free. Brilliant.
R. Bailey, Reading
What an awesome Guy and a brilliant service! Thank you so much Andy for being fantastic to work with, making life super easy for us and finding us the most amazing deal on our mortgage. Genuinely couldn’t have asked for better – thanks so much!
C. Marshall, W. Wales
Made the process easy, stress free and simple from the very beginning. Ideal for a first time buyer like myself and I would 100% recommend Andy to anyone after any sort of mortgage. I will definately be using Andy again once it’s time to remortgage 🙂
Aled Thomas, W. Wales
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