First, second, ninth or twentieth; it’s always exciting buying a house. How can you not be excited when you’re packing and planning (and asking yourself why there are so many boxes compared to the last time you moved – have you really purchased that much ‘stuff’?)
With the added stress of selling as well as buying, the process is naturally more involved and so more guidance will be required. Also we would take the time to consider whether staying with your current lender is the most appropriate course of action.
Mortgage & Protection for Life is a trading style of Paul Carter which is an appointed representative of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority.
There may be a fee for mortgage advice, the amount will depend on your circumstances, a typical fee would be £295.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Debt consolidation is not always the most suitable option, consolidating debts must be carefully considered.
It will usually mean more interest over a longer repayment term and there may also be early repayment penalties on your current mortgage-
you should think carefully before securing other debts against your home.
There are other ways to manage debt such as free debt advice charities,
you can find out more by contacting the money advice service:
these services may be more suitable for you.
The Financial Conduct Authority does not regulate most buy to let mortgages.
*Paul Carter acts as a credit broker not a lender