Mortgages

 

YOUR HOME MAY BE REPOSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Taking out a mortgage is one of the largest financial commitments a person can make during their life, at Point Me To, we will advise the best solutions for your personal circumstances and make it the process as stress free as possible.

First Time Buyers

As a First Time Buyer, the prospect of looking for your first mortgage can be stressful and confusing, it can often also be very daunting being faced with so many questions;

  • How much can I borrow?
  • What Product should I choose, Fixed, Tracker, Discount, Capped?
  • What term would be best?
  • How much is it going to cost me?

Here at Point Me to Ltd we are committed in advising you to find the right mortgage that suits your individual circumstances.

As well as advising you on the most suitable mortgage, we will also guide and assist you through every step of the Home Buying process, from our initial consultation, right up until the exciting day of collecting your keys.

Remortgages

Your mortgage will be one of the biggest financial commitments you have, so at Point Me To we believe it is vital to ensure you always have the most appropriate mortgage available.

We understand having to look for new remortgage deals every few years can be annoying and tedious, our independent advisers can remove the hassle for you. As remortgages offer many variations with some lenders offering:

  • free valuations
  • free legal fees
  • Varying product fees

We can assist in ensuring you get the remortgage deal that suits your needs, call our team to make remortgaging as stress free as possible.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

 

Contact us for a free initial no obligation quote.

Moving Home

There can be a number of reasons why you would want to move house, moving to a larger property, downsizing, or just move to somewhere you prefer. Whatever the reason, it can still be a very stressful experience, especially if you haven’t moved for some time.

Things to consider:

Estate Agents - it is advisable to have at least 3 market appraisals, to compare costs,
experience, knowledge and the valuations.

Solicitors – remember you will need to consider the cost of selling as well as purchasing.

Stamp Duty – you may be liable for stamp duty if the property your purchasing exceeds
the current thresholds.

Fees – there will be potential survey fees for your new property, removal costs, and
mortgage product fees

Point Me To are experienced in the Sale and Purchase process, we are aware of each step involved and that most transactions require a simultaneous completion. Our advisers can guide and assist you through the full process and we aim to liaise with you and all other parties to make your experience a pleasant one

We have access to the whole of the market and we will advise you on the most suitable mortgage for your individual needs.

Contact us for a no obligation free quote.

Things to consider when taking out a mortgage:

  • Is the mortgage affordable now and in the future.
  • Do you understand which mortgage will suit you best?
  • Are you aware in the costs involved?
   

“Point Me To” and Colin in particular ensured a smooth passage for us up to completion....

In regard to “Point Me To” and especially to our advisor Colin Thomson, the organisation acted on our behalf in a very professional, but considerate manner in our recent house purchase. We were kept advised at all stages and Colin was always available to answer our questions. Buying a house is recognised as one of […]

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What is a fixed rate mortgage?

A fixed rate mortgage can provide financial stability. With a fixed rate mortgage, the interest rate stays the same for a set period of time. This means that for every month during this set period, your mortgage repayments will remain the same. This is in contrast to a variable rate mortgage, which will go up […]

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Point Me To Limited is an appointed representative of Intrinsic Financial Planning Limited and Intrinsic Mortgage Planning Limited, which are authorised and regulated by the Financial Conduct Authority.

Point Me To Limited. Registered in England and Wales under No. 8390051. Registered office address – 1623 Warwick Road, Knowle, Solihull, West Midlands, B93 9LF.