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Taking care of your property

Mortgages & Equity Release

AFWM Mortgages Icon

Mortgage matters

Let our advisers help you navigate the mortgage minefield and make the right choices for this most important of investments.

Your mortgage is most probably the largest commitment and investment that you will ever make.

That is why it is so important to make sure you have the right mortgage for you that suits your individual circumstances.

Fully independent, and directly authorised, our adviser Chris Towell, is able to research every mortgage product available to the independent market, including those which are not available on the high street.

The first appointment is free of charge and we will then provide you with a tailormade solution for your needs. We believe in making the mortgage application process easy and straightforward for our clients, helping you to understand mortgages.

We provide our clients with an outstanding supportive service throughout the whole of the mortgage process. Existing clients return to us at renewal and are happy to refer new clients to us.

Mortgages released from your home will be secured against it. Your home may be repossessed if you do not keep up repayments on your mortgage.

An introduction to equity release

Are you over the age of 55 and want to release cash tied up in your property without having to sell up? Then a lifetime mortgage may be a good option for you.

A lifetime mortgage is a form of equity release that allows you to take a tax-free portion of the cash tied up in your home. The amount you can borrow depends on your age and the value of your property.

Unlike a regular mortgage, you are not required to make any repayments before the end of the plan. Instead, each year, interest is added to the loan. The loan and the interest are repaid in full, usually from the sale of your property, when you die or have to go into long-term care.

There are all sorts of reasons you may wish to release cash from your home including but not limited to: home improvements, supplementing your retirement income, purchasing an investment property, gifting to a loved one or making special purchases.

Independent financial advice should always be sought before considering any form of equity release as it is vital that you are fully informed of the risks and costs.

Equity released from your home will be secured against it. Your home may be repossessed if you do not keep up repayments on your mortgage.

“There are all sorts of reasons you may wish to release cash from your home.”

Holiday home mortgages

Our research shows that many holiday home owners and potential holiday home purchasers are not aware that there are specialist mortgages available.

All mortgage providers will require you to put down a deposit and this can be raised in a number of ways including existing savings, inheritance, accessing your pension (if over the age of 55) or by remortgaging your main residential property.

We are specialists in this area and as Independent Financial Advisers we can take into account your individual circumstances and advise you on the most cost-effective and tax-efficient method of buying your holiday home.

If you are intending to purchase your holiday home with cash, you may want to consider financing so you can grow your property portfolio more quickly.

Our Ethical Principles

To develop our service entirely on customer need, rather than business interests

Our duty is to provide long-term service and only to conduct new business when wholly in the interest of the client

All clients will be treated with the same courtesy irrespective of wealth or budget

“ (We) will not hesitate to recommend your services as we were very pleased with the great assistance we received from (AFWM Ltd), especially (the Mortgage Adviser) who has been a great support throughout the process. personal service from a professional who is knowledgeable about our circumstances and need ”

P.F – St Ives

“ …thank you for all of your help with our mortgage applications over the past months. As of yesterday we have now completed on the two buy-to-let properties in Plymouth and are the proud owners of the house near Coverack. We really appreciate your help with guiding us through the process and getting us the best deals. ”

C.M – Helston

“ Thanks again for all your help, your service has been outstanding and I have already recommended you to a friend. I will be sure to contact you again in two years’ time. ”

R.G - Carbis Bay 01872 306422