Loan & Mortgage Planning
With the number of mortgage choices available - more than 1,000 different deals from more than 100 lenders – independent financial advice can help you to make sense of the many different home loans available today. Station Financial Services can give you personalised independent mortgage advice to help you to select the type of mortgage for your specific needs.
We have access to the latest mortgages (including many that aren't available through high street lenders) and can provide invaluable advice on the following options:
• Repayment or Interest only
• Fixed or variable rate
• Discounted or capped rate
• Current account and offset mortgages
• Mortgage Protection
Your Mortgage is likely to be your single largest financial commitment, so it pays to explore all your options, from product type to repayment method.
In addition, we will be able to highlight and explain any potential pitfalls, like early redemption penalties and tied-in insurances, which can take the gloss off mortgages that have attractive headline interest rates.
For interest only mortgages, we can advise on the most appropriate savings vehicles to repay the loan. This may be a combination of investments, Individual Savings Accounts or even pensions
What will you have to pay for our services?
You can choose how we are paid for mortgages, either via commission from the product provider or a single arrangement fee,
Typically £500
If you have added fees to your mortgage, these will be payable over the full mortgage term. This is an expensive way of paying for your fees and payment in advance is much less expensive.
