Mortgage Advice

Save time and money by letting the professionals research the best mortgage for you. As fully independent mortgage brokers, authorised and regulated by the Financial Services Authority (FSA), we have access to over 1,900 mortgages with rates and terms updated daily. Our sophisticated sourcing software, combined with comprehensive adviser experience ensures that the mortgages we recommend will be the most suitable to your specific requirements and financial profile. We provide advice in the following areas:

House purchase
Re-mortgage
Capital raising
Second property purchase home or abroad
Buy to let
Commercial funding
Bridging finance

We provide advice to the following client groups:

Over 60s see 'lifetime mortgage' section
First time buyers or those requiring a guarantor
Professionally qualified clients
Foreign nationals

The benefits of using Warde Graham Consulting Ltd to advise upon and arrange your mortgage include:

Professional advice to ensure you get the best deal, saving you time, effort and money
An awareness of the underlying criteria set by mortgage providers we look beyond headline rates to ensure competitiveness on a 'total cost' basis.
Impartiality - we have no ties to particular lenders.
Advice on all aspects of property purchase - we can arrange your survey and put you in touch with a conveyancing solicitor if required, or simply provide guidance over the phone.

If you already have a mortgage, you can call Warde Graham to discuss some of the competitive new mortgage products that are on the market enabling you to benefit from:

Lower rates
Financial incentives
Lower monthly payments

Clients should be aware that their home may be repossessed if they do not keep up repayments on their mortgage; and that not all buy to let mortgages are regulated by the FSA.

Lifetime Mortgage

This is an area that has experienced rapid growth over the last five years. Many retired people find themselves to be 'asset rich/ cash poor'. They are struggling with low incomes and accessible cash whilst the property they own is often debt free and of a high value.

A lifetime mortgage enables you to release a portion of the equity in your home, as a lump sum or regular amount. You can choose to make no repayments for this 'loan' instead you agree that the loan, plus rolled up interest due, will be repaid on your death or permanent entry into long term care.

Typical reasons for obtaining a lifetime mortgage are:

An alternative to down-sizing - many people do not want to move out of a home and area they are familiar with; also, the costs of buying and selling, added to an increasingly competitive market for entry level properties, can be a daunting prospect.
Repayment of an outstanding mortgage where the monthly premium becomes unaffordable
Inheritance tax planning - a loan secured on your property will reduce the value passing into your estate on death; a lifetime mortgage often forms part of an IHT reduction exercise.
Purchase of a holiday home or second property
Cash release to improve standard of living

Lifetime mortgage is not suitable or appropriate for everyone. At Warde Graham we are experienced in talking clients through the pros and cons, in consultation with their family, solicitor and other relevant parties.

This is a lifetime mortgage. To understand the features and risks ask for a personalised illustration.

Changes in the exchange rate may increase the sterling equivalent of your debt.

There will be a fee for arranging your mortgage. The fee is £299 for a mortgage, and £199 for a re-mortgage.

Commercial mortgages and not all second property purchases are regulated by the Financial Services Authority.