Mortgages The purchase of your home is likely to be your biggest financial decision that you are ever likely to make. Having secured a one time competitive arrangement years ago it is not enough to simply sit back in the belief that your current mortgage is the market leading arrangement it once was. It pays some people to keep their mortgage under review on a regular basis. At Future Prospects we can help you with all types of mortgages:

If you require a resounding yes to all of these questions then let Future Prospects take away the stress and strain associated with finding the right advice and right mortgage for you.

Firstly you will need some idea of the level of possible borrowing you can raise before you go house hunting or releasing the capital locked away in your property. With an increasing number of lenders moving away from the old multiple of earnings to an affordability basis of lending this it is not as clear cut as it used to be. This is where Future Prospects can give you some invaluable guidance providing you with an adviser who will give you an indication of your potential borrowing capabilities. Having decided on the required level of borrowing it is just as important to ensure that your mortgage repayments are affordable and are comfortably within your budget. Through a careful analysis of your monthly expenditure Future Prospects will assist you in evaluating the affordability of your new mortgage or remortgage. If there is any likelihood of your mortgage repayments stretching the limits of your affordability then Future Prospects can provide you with an adviser that could make certain recommendations resulting in bringing your repayments in line with your proposed budget. If you reside in Essex or Kent or in the London area you have an option of receiving personal advice from your dedicated adviser in the comfort of your own home. Click here for our mortgage calculator >>

With your own individual adviser through Future Prospects they will personally take the time to ease you through the mortgage maze by guiding you through all of the different mortgage schemes available in the market place today. Emphasising the likely costs associated with you moving or remortgaging and informing you of the various methods of repaying your mortgage before providing you personally with a recommendation of the most suitable scheme based on your own individual preferences and circumstances

At Future Prospects we can be of assistance to all

• First Time Buyers with available borrowing of up to 125% of the property purchase price.
• Home Movers
• Home owners wishing to release the capital in their property for home improvements, debt consolidation etc.
• Home owners approaching the end of their current Fixed or Discounted term that will revert to their lenders Standard Variable or Tracker Rate
• Tenants wishing to exercise their right to buy their Housing Association or Council property
• Couples facing separation wishing to take over a previous partners share in the former matrimonial or shared home.
• People/Couples considering property investment through a residential Buy to Let arrangement or who have an existing Buy to Let portfolio.
• People with adverse or a poor credit rating having defaulted under previous credit arrangements or with County Court Judgements and/or discharged Bankrupts with required borrowing available of up to 95% of the purchase price of the property.
• Keyworkers getting assistance from their employer towards their property purchase.
• Employed or self employed wishing to self certify their incomes where the applicant(s) are unable to provide sufficient proof of income through the normal documentary requirements of lenders.
• Home owners approaching or in retirement wishing to supplement their income(s) by using the money tied up in their home through an Equity Release scheme without losing the right to continue to live in their home

If you would like us to help you towards a brighter future then let us take care of your Future Prospects. CALL US ON 01375 651147