AFP Shrewsbury offers expert mortgage advice and professional protection throughout the whole of Shropshire including the Telford and Wrekin area, as well as further afield across the rest of the UK. We offer a range of different financial services including mortgage advice, tailored services and insurance advice.
Your Telford Mortgage Adviser
Gary Harper (BSc Hons, Cemap) of AFP Shrewsbury is highly experienced and well-qualified in his field, offering professional advice to clients across the UK.
We work with a large number of lenders – this enables us to find the best deal to match your circumstances.
Making the decision to take out a mortgage is often one of the single most important financial commitments one will ever make – it requires considerable thought and planning, as well as professional advice.
We are able to offer impartial advice and have no affiliation with any particular mortgage lender and are therefore in the best position to be able to genuinely represent your interests and identify the most suitable mortgage solution to fit your needs.
First Time Buyers
Getting onto the property ladder has become an increasingly difficult and daunting task in the last few years – leaving many first-time buyers confused and not knowing where to start. AFP Shrewsbury have access to a large range of mortgage lenders and provide expert advice on all the necessary requirements and costs involved.
Buy to Let
Buy to let properties are becoming increasingly popular in the UK. The majority of buy to let properties are only available through intermediary parties such as ourselves. AFP Shrewsbury can provide expert advice on buy to let properties.
At any time during their mortgage, a homeowner may wish to switch lenders to obtain lower interest rates or even release cash from the property to pay for home improvements. Homeowners can potentially save money every month, by remortgaging. AFP Shrewsbury can offer expert advice on remortgaging.
Let To Buy
This type of mortgage allows the borrower to rent out their current home, whilst buying a new property. As their existing property can be let as a rental with the rental income used to cover the cost of a new mortgage, this may involve remortgaging your existing property to release cash for the deposit on a second property.
Interest Only Mortgages
Interest only mortgages, describe a mortgage where the borrower only pays off the interest during the term – not the capital. At the end of the term, the capital must be paid off in one lump sum. There are advantages and disadvantages to interest only mortgages, which can be discussed in greater detail during consultation.
AFP Shrewsbury provide comprehensive advice and protection for repayment mortgages. Under this type of mortgage, the borrower repays the capital and interest in monthly instalments – the borrower typically has a lump sum over a fixed period of time (usually 25 years). This type of loan will be fully repaid at the end of the term, provided the repayments are maintained throughout.
Mortgages for Self Employed & Directors
AFP Shrewsbury has exclusive access to lenders willing to base their lending on last year’s accounts only – this is a considerable advantage to those starting up their own businesses, as many mortgage lenders require a minimum of two previous years of accounts or more.
Insurance Services in Telford
AFP Shrewsbury offer expert advice on a wide range of different insurance plans, bringing greater confidence and peace of mind for the future. Preparation and planning can help to considerably minimise any negative effects of unexpected and often unwelcome, future events.
Our insurance advice and access cover the following:
- Life and Critical Illness
- Family Protection
- Income Protection
- Director Share Protection
- Household Insurance
- Mortgage Protection
- Family and Personal Income Plan
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOAN SECURED ON IT.