Category Archive Mortgages

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Mortgages

Guiding you through the mortgage mazeThere are many different types of mortgages available on the market. Trying to find the right one to fit your circumstances can therefore be a daunting task, and this can only be made worse when considering the stress if you are moving home too.

The first and most important step is to decide what mortgage requirements are needed:

  • Standard residential – to purchase a new home to live in;
  • Remortgage – to replace your existing mortgage with another, normally to get a lower, more favourable rate to pay;
  • Buy To Let – to purchase a home to rent out to someone else; and
  • Further Advance – to borrow more money on top of your existing mortgage for home improvements or to pay off other debt.

If you are looking for information and advice on equity release, to get money out of your property, click here.

This narrows down the products which can be considered. Thereafter, finances need to be looked at in very close detail, as that determines whether or not a mortgage will be offered, and on what terms.

Mortgage lenders scrutinise every aspect of applicant’s finances. They need to be comfortable lending to people with sufficient income (to ensure monthly payments are affordable), savings and investments (to ensure ‘failsafe’ money is available), and outgoings (to ensure money is not ‘disappearing’ elsewhere).

This therefore makes things more awkward for some people, but it’s not all bad. Some lenders have incentives to make themselves more appealing to potential customers, whilst special ‘deals’ are available for right to buy cases or first time buyers. All in all, it is a maze you can easily get lost in.

Add to this the stress and difficulty of dealing with existing lenders (if remortgaging or undertaking debt consolidation), estate agents and removal firms (if moving), solicitors and surveyors; it can get too much for some people. Help is therefore needed to organise as many aspects as possible.

MAP will guide you through the mortgage maze.

Whether you are looking to purchase your first property or move to a new one, transfer to a new mortgage to reduce your monthly expenditure, or purchase a property for investment, MAP can help. We are adept at searching the entire mortgage market to find the best deals available to you. We can then take care of as much paperwork and deal with as many third parties as you want or need us to.

Thereafter, we will regularly review your mortgage to ensure you are on the best possible monthly rate. We will also be on hand to advise on overpayments, payment holidays and any other changes in circumstances which could affect your mortgage in any way.

Your home may be repossessed if you do not keep up repayments on your mortgage.

There will be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be £595.


For more information, click on the most suitable link:

Residential Mortgages
Buy To Let Mortgages
Mortgage Protection
Buildings & Contents Insurance

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Our Services

Our services and why they can helpIrrespective of what you need to speak to a financial adviser about, MAP will be able to find the best solution(s) to meet your needs. We are fully independent meaning we can advise you on any of the following, taking into consideration your attitude to risk and all options available in the marketplace:

Any and all of these solutions can be provided to you through sound financial planning. By this, we mean structuring a personal financial plan after getting to know you and understanding your goals.

Furthermore, we will stay with you throughout your financial journey, for as long as you need us. Our regular review service will ensure your finances stay on track and continue to reflect what you need, want and expect.

Whatever advice you need for your financial journey, talk to MAP.

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Your Goals

Getting your finances right can help you achieve your goalsOur client’s goals are what drive us to do our utmost for them. Your financial goals will become our targets.

We understand that for any and all aspects of your finances, a number of factors are important. Good advice at both the outset and on an ongoing basis, careful planning and successful investing will help you and indeed your money reach your financial goals.

Our approach has been tailored over many years of looking after client’s wealth, and has been structured to suit their needs and service requirements. We do the total opposite of a ‘one size fits all’ approach.

The values we bring as a financial adviser to any client are:

  • Quality – differentiating ourselves from competitors by delivering quality in everything we do;
  • Ownership – dealing with clients finances as if they were our own;
  • Expectation – exceeding client expectations by going above and beyond what was hoped for;
  • Trust – building trust with clients which lasts a lifetime; and
  • Transparency – being open, honest and clear in everything we do.

Our clients choose their financial destination and we MAP out the journey for them.

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Why Choose Us

We will find the answers to your financial questionsThere are many reasons to choose MAP for independent financial advice:

  • Non-restricted advice and planning – no matter what financial advice and products you need, we can help.
  • Face-to-face advice from UK-wide trusted advisers – irrespective of where you are in the UK, one of our advisers will be happy to meet you and discuss matters face-to-face.
  • Fees structured to suit requirements – financial advice should never take on a ‘one size fits all’ approach and our fees will be structured and mutually agreed to suit your needs.
  • Tailored service packages – we don’t believe in one-off financial advice and have several service packages available, so your financial affairs are reviewed throughout your journey with MAP.
  • Whole of market non-discretionary investments – our bespoke investment strategy will cater for your needs and requirements, and give you an investment that’s right for you.
  • Quarterly investment reviews – our proactive analysis of fund performance ensures you are always invested in the best areas to suit your attitudes to risk.
  • Recommended funds – we invest using recommended fund lists, which have been tried and tested to deliver successful returns for our clients.
  • Transparency and peace of mind – clients have 24/7 access to their investments through the MAP portal.

Perhaps most importantly of all, we come tried and tested – read the reviews of just one of our advisers and see for yourself.

Wherever you are on your financial journey, let us provide the MAP to your desired destination.

Past performance is not a reliable indicator of future results