Mortgage Advice

Mortgage Advice Services

We advise on a range of affordable and sustainable mortgage solutions designed to meet your unique financial needs

Understanding mortgage advice

We offer every mortgage client a unique service tailored to your specific needs, we will help you understand:

Mortgage Types

We will provide advice, to help you understand the different types of property finance and insurance available

Mortgage Marketplace

We will help you understand the marketplace that we will visit in order to deliver our research, advice and recommendations

Proven Advice Process

We will use our proven advice process to deliver the property finance and mortgage solutions you require

Protecting Your Assets  

We will help you understand  the importance of protecting you and your family's assets in case of unexpected events

Our transparency and adherence to regulatory requirements, assure security and peace of mind as you navigate the various stages of the mortgage process.

We specialise in the following mortgage service key areas:
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

First Time Buyers

When facing the daunting prospect of purchasing your first home, at GFP UK we will take you through the home buying process step by step. 

We will work with you to establish what level of income you can comfortably afford to spend each month, calculate a realistic income and house purchase budget.

With a realistic and achievable budget in place we secure a provisional agreement from a lender to borrow and the search for your dream home can begin. 

Once you have an offer accepted we provide a mortgage review service that is representative of the whole of the market. 

We guide you throughout this entire process every step of the way, until the keys are in your hand. 

First Time Buyers

When facing the daunting prospect of purchasing your first home, at GFP UK we will take you through the home buying process step by step. 

We will work with you to establish what level of income you can comfortably afford to spend each month, calculate a realistic income and house purchase budget.

With a realistic and achievable budget in place we secure a provisional agreement from a lender to borrow and the search for your dream home can begin. 

Once you have an offer accepted we provide a mortgage review service that is representative of the whole of the market. We guide you throughout this entire process every step of the way, until the keys are in your hand. 

Remortgages

Whether you are looking at consolidating your debts, raising money for home improvements, looking for a better monthly payment than you currently have, or want to restructure the terms of your current loan, remortgaging can help your financial health in many ways. 

In simple terms, remortgaging involves moving your current mortgage to a new arrangement, arranged either with your existing lender or with a new lender. It is very similar to the home buying process. That said, as it is not something that you do every day so it is important to ensure you have a clear understanding of the process and your knowledge is up-to-date. 

We can guide you guide through the remortgaging process, offering clear guidance on the benefits, risks and associated costs of remortgaging your property.

Buy to Let Mortgages

Whether you are an experienced property landlord, or a first-time investor, when borrowing to invest in a rental property it is important to ensure you have a clear understanding of the process and your knowledge is up-to-date.

A Buy-to-Let property is your investment, and whether you are investing for the rental income or the potential for capital growth, it is essential that you have the most effective Buy to Let mortgage on the market.

When buying a property to rent, the mortgage is possibly the most critical factor. When buying-to-let, you cannot take out a typical residential mortgage. Instead, most banks and building societies offer buy-to-let mortgages specifically for Landlords.
At GFP UK, we will guide you through the benefits, risks and associated costs of borrowing to invest in rental property. 

Remortgages

Whether you are looking at consolidating your debts, raising money for home improvements, looking for a better monthly payment than you currently have, or want to restructure the terms of your current loan, remortgaging can help your financial health in many ways. 

In simple terms, remortgaging involves moving your current mortgage to a new arrangement, arranged either with your existing lender or with a new lender. It is very similar to the home buying process. That said, as it is not something that you do every day, it is important to ensure you have a clear understanding of the process and your knowledge is up-to-date. 

We can guide you through the remortgaging process, offering clear guidance on the benefits, risks and associated costs of remortgaging your property.

Buy to Let Mortgages

Whether you are an experienced property landlord, or a first-time investor, when borrowing to invest in a rental property it is important to ensure you have a clear understanding of the process and your knowledge is up-to-date.

A Buy to Let property is your investment, and whether you are investing for the rental income or the potential for capital growth, it is essential that you have the most effective Buy to Let mortgage on the market.

When buying a property to rent, the mortgage is possibly the most critical factor. When buying to let, you cannot take out a typical residential mortgage. Instead, most banks and building societies offer Buy to Let mortgages specifically for landlords.

At GFP UK, we will guide you through the benefits, risks and associated costs of borrowing to invest in rental property. 

Adding Value for you

We help you save time and money by focusing on lenders and providers whose underwriting criteria will suit you.

Besides advising on mortgage and insurance solutions, our services add value by helping you to:
  • Save money by not paying too much for your mortgage
  • Pay the correct deposit to get the right interest rate
  • Avoid paying hefty early redemption penalties or administration costs if you make partial loan repayments during the mortgage term
  • Decide how best to structure the term of your borrowing taking into account your age, objectives and retirement plans
  • Understand the risks associated with repayment or interest-only mortgages
  • Save time and money by focusing on lenders and providers whose underwriting criteria will suit you  
  • Review how best to use your existing provisions while recommending any suitable and necessary new solutions
  • Save money by ensuring you don’t pay too much to protect your assets
  • Place your insurance in the right name, ownership and trust, so that your beneficiaries do not pay too much tax when they inherit your estate.

Please see our Guide to our Mortgage and Protection Services and feel free to get in touch to discuss how we can help assist you further. 

Do you have a question? 
Interested in our services?
We are here to help.

Please feel free to get in touch with us so we can learn a little more about your business and discuss your specific requirements.

Get in touch
The Financial Conduct Authority does not regulate advice on:
Employee benefits, Taxation advice including Inheritance Tax, some Buy to Let Mortgages and Trusts
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