
Buying a property can be one of the biggest decisions you have to make. It is for this very reason that impartial advice is critical from competent and qualified advisers. Whether you are a first time buyer, looking to remortgage or moving home, Independent Mortgage Solutions is here to support you throughout the whole process.
Our highly experienced advisors provide bespoke mortgage advice tailored to your specific needs.
We compare thousands of mortgage products from a comprehensive panel of lenders, making the process as simple as possible.
We are specialists in:
Call us today to arrange a free consultation.
Once we’ve helped you find the most suitable mortgage, we’ll secure your home with a comprehensive insurance policy to protect you and your family.
Buying a house is one of the most important purchases you will make, and buying a home for the first time will be an even more daunting prospect. Add to this the vast array of mortgage products available from a wide range of sources and you could be left with a high-stress, confusing decision.
At Independent Mortgage Solutions we are here to hold your hand every step of the way and make the process as simple as possible.
Call us today to arrange a free consultation.
Once we’ve helped you find the most suitable mortgage, we’ll secure your home with a comprehensive insurance policy to protect you and your family.
When you remortgage, you are switching your mortgage to another deal, and frequently, another lender. Many people remortgage to get a better deal on their current mortgage, however you might be thinking about consolidating debts, home improvements or releasing equity to invest in property.
Independent Mortgage Solutions can give you expert advice and help source the most suitable mortgage to achieve your goals and objectives.
The lenders on our panel will often offer a free survey and legal fees to reduce the cost of moving your mortgage.
Debt consolidation is not always the most suitable option, consolidating debts must be carefully considered. It will usually mean more interest over a longer repayment term and there may also be early repayment penalties on your current mortgage, you should think carefully before securing other debts against your home. There are other ways to manage debt such as free debt advice charities, you can find out more by contacting the Money Advice Service, these services may be more suitable for you.
Becoming a private landlord should not be seen as an easy way of making money. It can be riskier and more complicated. It can also be very time consuming, more than most forms of investment, and there is no guarantee that house prices will rise. That said, having a second property to let to tenants could reap considerable financial rewards over time.
There are 3 main differences in buy to let mortgages:
When buying a second property to let, you will need to decide whether your primary objective is income or capital growth. In other words, are you looking to make a profit month on month or are you looking to make a profit through increased equity from the second property if it increases in value over time? The decision may affect the type of property you purchase, and the location.
When you manage a property there are many costs involved in addition to the monthly mortgage repayments.
These additional costs include:
When choosing a property to let, it is wise to take advice from local letting agents to determine; what types of properties are in need and which parts of the town are best or most wanted. They can tell you if there is a University in the town, and if students are looking for somewhere to live.
THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE MOST BUY TO LET MORTGAGES
Client's View
“Garry has been my trusted advisor for some time and has consistently provided sound, timely and impartial advice. I have recommended IMS to friends and colleagues and the feedback has always been superb. IMS provide first class advice and I would urge anyone looking for assistance in navigating the mortgage market to retain their services.”
S Al-Mukhtar
“We have been referring clients to Adam Wilson at Independent Mortgage Solutions for some years now. Our client experience is central to everything we do and so it is very important that any company we refer our clients to adopt the same honest and transparent approach to providing advice. They have proved themselves very capable and knowledgeable in tandem with offering efficient and personal service. I would not hesitate to recommend their services to anyone looking for clear and impartial advice.”
J Batchelar Director – Chartered Financial Advisor NSL Wealth
“I can’t speak highly enough about the service l have received from Tom at IMS. It is everything you want, excellent mortgage rates, knowledgeable advice and an application process that is stress free, seamless and easy. I was in great hands all along the way. Great company to deal with, nice with it too.”
N Hall
“The service and personal attention I received from Darren was first class. He went above and beyond what I was expecting not only making sure my mortgage was competitive but also my mortgage was fully protected with a personally designed protection portfolio to protect me and my family. I would not hesitate to recommend Darren to my friends and family.”
P Powell
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