Mortgages
“Real estate cannot be lost or stolen, nor can it be carried away. Purchased with common sense, paid for in full, and managed with reasonable care, it is about the safest investment in the world.”
– Franklin D. Roosevelt, U.S. President –
Your Mortgage Financing Options
Financing is a crucial part of any financial plan. Mortgages are usually the largest single debt we will ever have. We offer mortgage advice for a wide range of different types of buyers and circumstances.
Read on to find out the different ways we might be able to help.
Residential Mortgages
Whether you are looking to buy your first home, remortgage, are moving or looking to get mortgage free, we can help. We take the time to understand your situation, to assess your borrowing potential and recommend the best products for you and your situation.
Whether you are looking to buy your first home, remortgage, are moving or looking to get mortgage free, we can help. We take the time to understand your situation, to assess your borrowing potential and recommend the best products for you and your situation.
Buy To Let
Property is a very popular form of investment, and a buy to let mortgage can help investors afford more properties and enhance returns. Whatever strategy you wish to pursue we can advise on your mortgage options.
Property is a very popular form of investment, and a buy to let mortgage can help investors afford more properties and enhance returns. Whatever strategy you wish to pursue we can advise on your mortgage options.
Later Life Lending
Gone are the days that mortgages need to be paid off by retirement age. Whether you’re going into semi-retirement, about to retire or have been retired for some time already, many lending options remain available.
Gone are the days that mortgages need to be paid off by retirement age. Whether you’re going into semi-retirement, about to retire or have been retired for some time already, many lending options remain available.
Specialist Finance
For those situations that don’t quite seem to fit with mainstream lenders there is a wider market of specialist lenders to fill this void. Through a trusted 3rd party, we can facilitate and offer solutions to more complex borrowing needs.
For those situations that don’t quite seem to fit with mainstream lenders there is a wider market of specialist lenders to fill this void. Through a trusted 3rd party, we can facilitate and offer solutions to more complex borrowing needs.
The Eclipse Financial Planning Mortgage Advice Process
To make sure you secure the right financing for you and your property we guide you through every step to make sure we are giving the right advice to you.
THE ECLIPSE FINANCIAL PLANNING MORTGAGE ADVICE PROCESS
Whether you are looking to do a simple remortage, or something more complex the following steps we work through make sure you get the information and options you need with the best lender for you.
First, we take hold of you information including what you are hoping to achieve. We will consider your income, employment status and your other debts, the type and value of your property to name a few factors that go into our advice.
Second, we research the market and interrogate lenders criteria to achieve the best option for you. From time-to-time circumstances don’t quite fit. If you’ve ever bene in this situation hitting dead ends, we understand. In this situation, we will look to suggest a ‘Plan B’ and a series of steps to help you get better borrowing options in the future.
Third, once you’ve received our recommendations and we are agreed, will commencement the application process and liaise between you and the lender until you secure your mortgage offer.
Any mortgage is a long-term commitment and mortgage planning is an ongoing process. We approach our mortgage advice with this long-term perspective and consider the long-term effects of the decision you make today.
Whether you are getting your first mortgage, simply looking to get the best deal for the mortgage you have already or looking to use financing to help you get to your next goal, getting the right advice, a trusted partner to help you evaluate the true cost of finance considering fees as well as the rate.
We endeavour to partner with you from your first application to your last mortgage payment making sure you are aware of future remortgage dates, general expectations around interest rates, and making sure you have a repayment plan that suits you for your mortgage planning considering your age, retirement plans and other financial objectives.
If you’re interested but not ready to make any decisions, we offer a mortgage review service that is representative of the whole of market and throughout network occasionally get access to exclusive deals that aren’t available elsewhere.