AFP Shrewsbury provides a range of different financial services, these include; Mortgage Advice and Insurance Advice.
Gary Harper (BSc Hons, Cemap) of AFP Shrewsbury is highly experienced in his field, providing clients with professional advice right across the local Shropshire region and throughout the rest of the UK.
Protection & Mortgage Advice in North Shropshire
AFP Shrewsbury now provides advice to the following towns in North Shropshire:
- Market Drayton
Taking out a mortgage will undoubtedly be the single largest and most important financial commitment of your life. It is something that requires careful thought and planning as well as professional advice.
AFP Shrewsbury provides expert impartial mortgage advice; we have no affiliation with any particular mortgage lender and are therefore in a position to be able to genuinely represent your best interests and identify the most suitable mortgage solution to suit your needs.
Our services include the following:
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.
First Time Buyer
It is becoming increasingly difficult within the property market for first time buyers to get onto the property ladder, however here at AFP Shrewsbury we have access to many mortgage lenders, we can not only help clients get on the property ladder, but also provide expert advice, advising on all the costs involved.
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.
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 clients find the best possible solution.
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.
Borrowers take a loan over a fixed period of time, say twenty-five years. Monthly payments to the lender include interest and some of the capital. AFP Shrewsbury can provide both protection and mortgage advice.
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.
Equity Release Mortgages
AFP Shrewsbury refers all Equity Release mortgages to one of the UK’s leading firms of specialist advisers in this field, who are frequent winners of Industry awards.
Insurance Advice at AFP Shrewsbury
Being prepared for the unexpected can minimise the effects of any unwelcome future events, AFP Shrewsbury provide detailed advice on a range of different insurance plans. Detailed forward planning can provide you with the right protection at the right time.
We provide insurance advice and access to cover for the following:
- Life and Critical Illness
- Director Share Protection
- Income Protection
- Mortgage Protection
- Family Protection
- Family and Personal Income Plan
- Household Insurance
AFP Shrewsbury works alongside the UK’s leading IFA firms and will refer you to a firm of one of their strategic partners for advice on pensions and investments.
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.
*YOUR HOME CAN BE REPOSSESSED IF YOU FAIL TO KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT.*