Moving Home?

Fenton Simpson have been arranging mortgages for clients since 2003, however, many of our advisers have been involved in the financial services industry since the mid 1980's.

No matter what your situation, the chances are that we have seen it before. Whether you are a first time buyer, moving home, remortgaging, looking for a new rate or anything Buy to Let related. Our advisers are on hand to help. 

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Why should you use a Mortgage Adviser? 

Only going direct to your bank or building society will seriously limit your mortgage options and you may end up paying more interest than you need to.

By using a mortgage adviser, you will be able to see the options available to you from every lender, ensuring that you end up with the most suitable and affordable mortgage product on the market. An adviser will then be able to manage your mortgage for you over the following years to ensure that you are always on the best rate possible. 

How can our advisers help you?

The experience of our team means that no matter what your situation is, we will be able to advise you on the most suitable options available. We take care of the mortgage process from start to finish, which also means managing the additional considerations with you, such as the associated insurances, to ensure that everything is in place for you when you complete.

Our clients benefit from the peace of mind that we take care of everything, and they can focus on the move itself.

If you are moving home, speak to one of our dedicated mortgage advisers today and find out how we can help you.

Your Questions Answered

Interest Only or Repayment Mortgage?

There are a lot of different terms in the mortgage world and the decision between Interest Only and Repayment is a big one. The vast majority of mortgages will be Repayment mortgages, which means that at the end of the term of your mortgage the mortgage will be totally repaid. An Interest Only mortgage is a higher risk product, you will only pay back the interest on the mortgage. This means that your debt will not ever decrease and as such through this method you will never pay off the mortgage. This type of mortgage is therefore much more common with landlords who may not have any desire to pay off the mortgage.

Ask your adviser what will be best for you and they will be able to help you make that decision.

Should I have a Fixed or Tracker Rate mortgage?

It depends on your circumstances and what you consider to be the best for you. Your adviser will talk you through the implications of each mortgage type. A fixed rate will give you peace of mind in terms of knowing what your monthly repayments will be, whereas a tracker rate may give you lower repayments but you must be prepared for potential rate rises which will impact on your monthly repayments.

How much can I borrow?

Mortgages are lent based on your affordability.  Lenders will judge your affordability based on your income (including commissions, bonuses and overtime), against your outgoings. Our advisers will assist and will be able to advise on which lenders affordability criteria you are most likely to meet.

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Welcome back! Please let us know who your adviser is and we will ensure that your query reaches them, alternatively you can now log into your case using the client portal. Please ask your adviser for further information.
Your details here:
Full Name *
Phone Number *
Email Address *
How can we help?
Privacy Policy.

Your details here:
Full Name *
Phone Number *
Email Address *
How can we help?
Privacy Policy. Send

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