Your mortgage is probably the largest financial transaction and commitment you are likely to undertake.

Surely then you should seek mortgage advice, which is individually tailored to your needs and requirements?  If you’re looking for mortgage advice, please contact us on 01743 364 377. We are located in Shrewsbury but work throughout Shropshire and other areas of the UK.

Mortgage Advice & Tailored Services

AFP Shrewsbury are not tied to any particular mortgage lender, which means that we are able to represent your best interests in order to establish the most appropriate mortgage solution for you.

The credit crunch dried up the supply of mortgage finance with some specialist lenders being driven out altogether.  Now there are a smaller number of  mortgage lenders, who have increased their hold over the market for new home loans.  Lenders have become more careful about to whom they will lend, and their terms.

We look at your mortgage not only as a loan to buy your home, but as part of your overall financial profile, in order that it ties in with your intended retirement date, when you plan to start a family and when you wish to move house.  Based on the information you provide in our meeting, we will search the whole of the mortgage market reviewing all possible lenders, some of whom offer exclusive products to brokers such as ourselves, to determine who will offer you the most attractive mortgage options suited to your particular requirements.

We will then manage the whole process, answering any queries you may have and keeping you informed throughout, from application to completion.

A fee may be charged for mortgage advice if additional work is required.

Shropshire Mortgage Services

First Time Buyers

It is becoming increasingly difficult within the property market for first time buyers to get on to the property ladder. However, here at AFP Shrewsbury we have access to many mortgage lenders. We cannot only help clients get on the property ladder, but also provide expert advice, advising on all the costs involved.

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Remortgages

It is possible for clients to move to other lenders with lower interest rates, saving them money. Sometimes clients may need to release some cash from their property in order to raise necessary funds to pay for home improvements. Whatever the reason, AFP Shrewsbury can help you find the best possible solution.

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Let To Buy

In this case, borrowers don't sell existing properties, instead they let them out as rentals and use the rental income to cover the cost of a new mortgage. This can involve remortgaging your existing property to release some cash for the deposit on the second property. Not all lenders will allow let to buy mortgages, so professional mortgage advice is essential.

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Buy To Let

This is becoming an increasingly popular, stable investment. The majority of buy to let mortgages are only accessible through intermediary parties such as ourselves. We can provide expert mortgage advice on buy to let properties.

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Repayment Mortgages

Borrowers have a lump sum loan over a fixed period of time (usually twenty-five years). Monthly payments include interest and some of the capital in monthly payments to the lender. AFP Shrewsbury can provide both protection and mortgage advice.

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Interest Only Mortgages

Monthly payments only represent the interest due to the lender. The capital must be paid in one lump sum at the end of loan, there are both advantages and disadvantages to interest only mortgages.

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Self Employed & Directors

The self employed are increasingly looking to become incorporated or set up limited companies, AFP Shrewsbury has access to lenders that are willing to base their lending on last year’s accounts only, this can make an enormous difference to start up businesses, as many mortgage lenders require a minimum of two previous years of accounts or more.

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Equity Release Mortgages

AFP Shrewsbury sources and places all Equity-Release mortgages from the UK’s leading firm of advisers, specialists in this field and winners of the ‘Best Equity-Release Adviser’ award.

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Bridging Loans

Bridging Loans offer a short-term funding option which essentially ‘bridges the gap’ between the period of time in which an existing property is sold and a new property is purchased. A short-term loan is taken out against the value of the borrower’s existing property, allowing them to purchase a new property.

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Help To Buy Scheme

Under the scheme, the government lends 20% of the value of a property of up to £600,000, provided the buyer can provide 5% of the value, and as long as the property is in an accredited Help to Buy development. Upon sale of the property, 20% of its value must be repaid to the government.

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOAN SECURED ON IT.

AFP Shrewsbury is a trading style of Gary Harper (FRN 755477) who is an Appointed Representative of AFP Partnership (FRN 300003). AFP Partnership are authorised and regulated by the Financial Conduct Authority. Certain products, including Buy to Let and Commercial mortgages, are not regulated by the Financial Conduct Authority. Speak to an AFP Shrewsbury mortgage adviser for help and advice on all types of mortgages.

Get in touch today for a no-obligation chat

Our experienced advisers can help you find the right mortgage. Evening appointments available.