Independent mortgage services from Janus Consultants
Whether you are a first-time buyer, homeowner, property investor or property professional, Janus Consultants can offer comprehensive independent mortgage services and advice.
Moving home is an exciting time, but there are a lot of things to think about. Janus Consultants can help find the right mortgage options for you. You will be surprised at the breadth of choices available to you, but we can make sure you have the information you need to make an informed decision.
We will be on-hand to answer questions throughout the process so that you can move ahead with confidence.
If you’re coming to the end of a fixed-rate mortgage term, want to borrow more for home improvements, or simply want to look at alternatives, we can review your budget and suggest options to suit your needs and circumstances.
To make sure you have a complete picture we can look at monthly payments, the length of your loan, and rates.
Buy to let mortgages
When you invest in a property that you intend to rent to tenants, rather than to live in as your own home, you will need to ‘buy to let’ mortgage.
Interest rates and fees differ from residential mortgages and lenders will look at a variety of things when deciding how much you can borrow, including how much income the property can provide, based on the local rental market.
There are thousands of options available, so choosing the right buy to let mortgage can involve a lot of research. With our experience, local knowledge and connections, we can make it easy to understand the right options and how they will meet your needs.
First time buyer mortgages
When you decide to buy your first home it will probably be the biggest financial commitment you have made. It’s important to know that you have taken in to account all the options available and that you know what you can afford before you set your heart on your ideal property.
We can explain what lenders will need to know before they make a decision about how much you can borrow, so that you can avoid disappointments along the way.
There is a wide range of affordable mortgages available that have been designed just for first-time buyers, even if you have a relatively small deposit. The government-backed Help to Buy scheme means you can now get your first mortgage with as little as a 5% deposit.
When most of your capital is tied up in your property, you can release some of the value of your home. You can use these funds to give financial support to your family, improve your home or enjoy a better quality of life in your later years, for example.
You will benefit from fixed or capped interest rates, the right to continue living in your home until you are ready to move on, and a guarantee that your loan won’t exceed the value of your property.
While it can seem like a big step, we will listen to your questions and concerns and help you to find options that you can choose with confidence.
Janus Consultants also supports property professionals who are interested in implementing financial services best practices within their own organisations.
For an initial consultation, contact Mark Collender Certs CII (MP & ER)
on 01908 751485 or firstname.lastname@example.org
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