A new home. A holiday bolthole. A buy-to-let, or an eco-friendly self-build. The future home you imagine for yourself or your children is central to everyone’s ‘bigger picture.’
We can help match you with the best mortgage, whether you’re employed or self-employed, buying for yourself or wanting to help your children get a foot on the property ladder.
Finding the right mortgage is the first step. We will introduce you to a highly-qualified mortgage adviser* who will guide you through the dizzying maze of options – fixed rate or tracker, flexible or offset – and support you every step of the way.
It doesn’t end there though. Your home is often your biggest asset, and re-mortgaging your property is a common way to raise capital for renovations or extensions. Or perhaps you’re just looking for a better mortgage deal? Let us guide you through the maze of re-mortgaging from start to finish.
Short-term loans can also be a popular way of borrowing cash that you only need for a short period of time. If you need a bridging loan, or you want to build that conservatory or swimming pool, for example, it may not make sense, or be tax efficient, to cash in your long-term investments to fund these situations. In which case, you may well be able to use eligible investments as security, and KWM might be able to arrange borrowing against your investment portfolio – just ask us if you would like to know more.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Some buy to let mortgages are not regulated by the Financial Conduct Authority.
We offer a comprehensive range of first charge mortgages from across the market, which lenders make available to mortgage intermediaries, for which we will be paid a procuration fee by the lender.
If the value of the investments falls relative to the agreed loan facility, the lending may need to be repaid in full. Rates and charges will apply – please contact your KWM Wealth Adviser for full details. Please note this service is separate and distinct to those provided by St. James’s Place.
*Please note that some of the Advisers in this space are separate and distinct to those who are regulated by KWM Wealth.