Mortgages

Mortgages, Re-mortgages, Buy-to-Let mortgages, Equity release

Arranging a mortgage or re-mortgaging your current property may be the single largest commitment you make. SFS searches the market on your behalf to find a mortgage at a competitive rate to meet your requirements.

• SFS will research products, liaise with lenders and recommend the right scheme for you. Various methods of payment such as repayment, interest-only or investment linked are available.
• Mortgage repayment protection in the event of death, disability or diagnosis of a serious illness can also be arranged.

Please use our mortgage calculator for an indication of likely payments.

Please be aware: These figures are only a guide. These figures do not include the cost of insurance or an investment based mortgage repayment vehicle which is required in respect of an interest only mortgage. We recommend that you obtain exact figures from us before committing to purchase any property.

Remember: Your home is at risk if you do not keep up repayments on a mortgage or other loans secured upon it.

Lifetime mortgages (equity release)

Sometimes most of your wealth may be tied up in the value of your home. You may not be able, or wish, to sell your property so the use of a lifetime mortgage (equity release) provides valuable access to money for any purpose. Often this is invested to produce extra income, pay care home fees or assist with Inheritance Tax planning.

• SFS assists with all mortgage and related financial matters quickly, keeping the whole transaction as stress-free as possible.

Some Buy-to-Let mortgages are not regulated by the Financial Conduct Authority.