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Mortgages

Our financial advisers are at hand to give you expert advice through potentially life changing decisions, whether you are looking to purchase your first home, secure a commercial mortgage or have a question regarding equity release.

Commercial Mortgages

A commercial mortgage is a loan secured by commercial property such as an office building, industrial unit or factory. The proceeds from a commercial mortgage are typically used to acquire, refinance or develop commercial property.

A business/business owner or SIPP (self-invested personal pension) can apply for a commercial mortgage. We can help by ensuring the right product is selected for your needs/requirements as well as liaising with your solicitors/accountants/SIPP providers to ensure the process is as smooth and hassle free as possible.

First-Time Buyers

If you or the person you are buying with, have never owned your own home previously, either in the UK or abroad, you are likely to be a first-time buyer.

There are lots of different mortgage options, from repayment and offset, to fixed, tracker and standard variable rate options. We can help to demystify all of this jargon and get the right product for you and your needs, ensuring you are fully informed and armed with the right advice for one of the biggest decisions of your life.

Re-Mortgaging

A re-mortgage is the process of paying off one mortgage with the proceeds from a new mortgage, using the same property as security. There are many options available to people who are looking to re-mortgage, so it is important to get advice from a truly independent specialist like us.

Buy to Let

Buy to let mortgages are for landlords who want to buy property to rent it out. Although the rules are similar to regular mortgages there are some key differences, so it is important to get the right advice to avoid issues later on down the process.

Equity Release/Lifetime Mortgages

Equity release is a means of attaining the use of a property for over 55’s while also obtaining a lump sum and/or a steady stream of income. The lender would need be to be repaid either during the time, at the end of the term, on death or admittance to a care home of the owner, or a combination of all/some of these.

Lifetime mortgages are the most popular type of equity release option for the over 55’s, as you can borrow money secured on your home, while retaining ownership. You can choose to ring fence some of the value of your property as an inheritance for your family.

You should always ensure you take independent financial advice from an expert with a specialist qualification in equity release if you are considering this area There are many important factors to consider and the wrong decision could potentially be life changing.

 

Please be aware that although you can safeguard a portion of your home’s value as inheritance, its sale will go towards paying off your lifetime mortgage therefore the amount you can leave as inheritance will reduce. Releasing equity can change your tax position and potentially alter your eligibility for welfare benefits. Interest will be added annually onto both your loan and interest already added, which quickly increases the amount you owe. Everything is then repaid once you die or go into long-term care, usually from the sale of your home, subject to our terms and conditions. If you would like to end your lifetime mortgage early, then you may have to pay a substantial early repayment charge.
Integrity365 has a holistic approach to financial planning. From the early days of mortgages, protection, investments and lump sum decisions, through to retirement and later life planning, we are here to support you through the key stages of your life.
Integrity365 has a holistic approach to financial planning. From the early days of mortgages, protection, investments and lump sum decisions, through to retirement and later life planning, we are here to support you through the key stages of your life.

Financial Planning

Integrity365 will work with you to build financial plans to help you achieve your long-term financial goals through detailed financial planning.

Investments

Whether you are looking to save on a regular basis, invest for income, growth or a combination of these, seeking Independent Financial Advice is extremely important in helping you secure your long-term financial goals.

Tax

The UK taxation system can be daunting and complex, so it is important to understand your individual situation.