Mortgage Advice

Cameron Mackenzie have established relationships with local reputable companies to help you find the right mortgage for you.

Whether you are considering buying your first home, moving, re-mortgaging or buy-to-let, we cannot stress how vital it is for you get good sound financial advice. We can arrange a free, no obligation consultation for advice on a wide range of mortgages tailored to suit every individual circumstance.

Taking out a mortgage could be one of the biggest financial decisions you’ll need to make in your entire life, so it’s important to get it right.

You could ‘go direct’ to find the right mortgage for your circumstances – as long as you’re prepared to spend time and effort scouring a very competitive market for the lender and deal you feel most comfortable with.

You’ll also need to consider things like lender administration and booking fees, the length and type of mortgage you need, valuation costs and repayment methods, all of which can affect the total cost of your loan. And you’ll need to take out insurance; for buildings and contents and to protect your mortgage payments if you have to stop work.

Advice from your lender

Lenders will, of course, be able to give you guidance on any mortgages they offer, but you won’t necessarily know how their deals compare to other deals on the market.

Advice from us

Unlike lenders our associates don’t have a vested interest and can access competitive rates from most of the UK’s best-known lenders, many of which aren’t available on the high street. Our associates pride themselves in making the process as comfortable as possible, ensuring that you understand what they’re doing.

What’s more, they will take the time to get to know you, your circumstances, and your overall financial position. They will also want to understand what type of mortgage you believe is right for you and talk you through the pros and cons of each option.

Using expert knowledge and a database of several thousand mortgages, they will find the ones most suitable for your needs.

They will also help you and work with you to complete the relevant paperwork and liaise on your behalf with solicitors, valuers and surveyors. They can also talk you through the features and benefits of financial protection for your new property and you can rest assured that they will stay in touch throughout the process – and into the future.

If you’d like more information, or you need help planning your first, or next, property purchase, please get in touch.

Your home may be repossessed if you do not keep up repayments on your mortgage

Our Associates can also offer advice on the following:

Life Cover Life

Cover ensures that your mortgage will be paid in the event of your death during the term of your cover. This means that you can leave your home mortgage free for your loved ones.

Critical Illness

Critical illness cover gives you piece of mind that if you suffer from a critical illness you will have a lump sum pay out to help you with mortgage costs.

Income Protection

Income protection allows you to ensure that you will have money coming in if you are off work for a period without pay. This can be important to families who need to ensure the bills are paid.

Please contact 0151 480 0123 or 0151 430 0123 for further information.