First Time Buyer Mortgages

Buying your first home is most probably the largest and most daunting financial commitment you will ever make, and it is crucial that you have the right mortgage in place.

With so many lenders offering various products, The Mortgage Mark are here to help guide you through what can be a very complex mortgage market. We will walk you through every step from start to finish, from helping you establish how much you can borrow, to a decision in principle (DIP) and submitting your mortgage application to make sure you understand everything fully in detail.

We look forward to assisting you with securing the house of your dreams…

Remortgagess

Remortgages are the most overlooked area of finance by individuals. The most common cases for this are when clients just assign a new product with their existing lender without actually exploring the market to see what the best deals actually are for them. We can do this for you to make sure your lender is giving you the best rates available. Not only do we compare deals across the market, but if your lender is the best option for you, then we will tell you and we can also assist you with this to save you any stress or hassle with dealing with the lender direct.

Whether you are looking to just save money on your existing deal, raise funds for home improvements, pay off your existing credit commitments or would like to raise money for a deposit to step into the buy to let arena, we will walk you through the entire process.

Once you are a client of The Mortgage Mark, we will contact you 6 months before your existing mortgage product ends, so we are able to obtain a better rate for you before you revert to a potentially more expensive variable rate. You never have to worry about remembering when your deal ends, we have got you covered.

Capital Raising

Capital Raising is a way to increase your borrowing when you are still tied into a mortgage product and you need to release funds for other purposes such as, home improvements or to pay off existing credit commitments.

Additional borrowing with your lender is sometimes easier and more cost effective as if you need to change lender mid contract then there could be early repayments charges applicable and we can assess these for you to make sure you have the most cost-effective solution available to you.

Buy To Lets

Whether you are a first-time landlord wanting to step into the rental property market or have a full property portfolio the Buy to Let market can be a minefield.

No matter how experienced you are, we are here to assist you every step of the way as well as finding you the most suitable deal of the market to suit your needs.

*The Financial Conduct Authority does not regulate most Buy to Let Mortgages

Life & Critical illness Insurance

Protect yourself and your family!!

The impact of death is felt the most by the ones we leave behind and life insurance is about protecting the ones we love when we are no longer here. A serious illness can also have a major impact on your family and your finances. This is why critical illness insurance can be so important.

There are a range of names for these products from protection to insurance but here at The Mortgage Mark we like to call it ‘LOVE’ insurance as effectively you are ensuring that the ones you love are fully protected and covered against any of life’s unforeseen circumstances.

With our ‘Love’ insurance you can protect yourself and your family for a range of things. Whether you wish to pay your mortgage off, ensure that your children can go to university or just make sure that your family can continue living their existing lifestyle. The Mortgage Mark can help you achieve all of these goals and more.

Income Protection

Income Protection can sometimes be overlooked, but this is one area that is crucial, as without income, how are you going to be able to pay your mortgage repayments along with all your monthly bills.

Alot of companies pay their employee’s sick pay, but this usually is only for a certain period of time. You need to be able to protect yourself and your family beyond this initial period and we can help you do this.

Income protection policies will pay your regular tax free monthly income of usually up to 70% of your usual income if you are unable to work due to an illness or injury and will continue to pay you on a monthly basis until you are able to return to work or retirement (whichever comes sooner). This means that you don’t have to worry about how you are going to pay your mortgage and your bills and concentrate on your recovery.

Most income protection policies we advise on are based on ‘own occupation’ which means if you are unable to do your own occupation due to illness or injury then the provider will pay your claim.