At Fingerprint Financial Planning, our team of dedicated mortgage advisers are experts in their field, able to provide you with accurate and up-to-date advice across all areas of your finances. This includes your property and mortgage.
As we do with all our clients, we will get to know you and your circumstances. This means that the financial plan we help you put in place – and the advice we give – is always individual to you.
We are also proud to be fully independent. This means that we aren’t tied to one provider or one set of products. Instead, we can use our knowledge of the sector to scour the market for the product that exactly matches your circumstances and will provide you with the best possible outcome.
Here are three ways you could benefit from our independent mortgage advice.
1. Save time, money, and effort
Buying a house is likely to be the largest financial commitment you ever make. Whether you are a first-time buyer, a second-stepper, or you are looking to downsize, the mortgage process can be costly and time-consuming.
Searching for a lender online can take time and you might need to arrange meetings with more than one. You will need to dig out a lot of paperwork – from bank statements and payslips to tax returns – and then sit through multiple interviews with advisers, likely completing their mountains of paperwork.
Your chosen lender will also need to complete a credit check, adding more time to the process.
If your chosen lender is unable to provide you with a mortgage offer, you’ll need to approach a new lender and the entire process begins again.
Using an independent adviser means only supplying this information once.
Speak to us and we can help you put together the documentation you need. We will get to know you and understand your circumstances. We can then research the whole of the market on your behalf.
We can approach lenders, complete paperwork, and liaise with surveyors and solicitors, generally doing the running around so that you don’t have to.
We can also use our knowledge of the sector to choose the right lender for you, only approaching those that we feel have the highest likelihood of agreeing to lend to you. This ultimately saves a great deal of time.
2. Independent advice and a plan individual to you
At Fingerprint Financial Planning, our qualified advisers work alongside a dedicated team of financial planners and support staff. Together, we work to understand your needs, delivering advice that is individual to you and designed to help you achieve your dreams.
Approaching a lender yourself will likely mean being tied into the products they offer. There is no guarantee that they will offer a product that is exactly right for you.
Our independent status means that we can search the whole of the market. Whether you’re looking for a fixed-, variable-, or tracker-rate mortgage, we can find the right one.
But we won’t just look at the product or find you the best rate on offer. With our expertise in the field, we can take into account other factors too – ones that you might have overlooked if you had approached the lender yourself.
While a low rate is enticing, the type of rate, the term on offer, and other factors, such as additional features or speed and quality of service, could all influence the amount you pay over the term of a mortgage.
3. A long-term relationship could save you money in the future
The work of your independent Fingerprint adviser doesn’t end once we find the perfect mortgage for you.
Working with us means building a long-term relationship that could last a lifetime. This allows us to review your mortgage – and the whole of your finances – to ensure you are still getting the best possible deal. This can be especially important, for example, if a fixed-rate mortgage ends and you are moved onto a lender’s standard variable rate (SVR).
We can also help if you decide to move in the future, whether you’re upscaling as you start a family or downsizing in later life.
Get in touch for independent advice
At Fingerprint Financial Planning we are proud of our independent status. We believe it gives us the best possible chance of finding the exact product – and therefore the right financial outcome – for you.
Our team of experts can work with you, building a long-term relationship that helps us get the best deal for you now, and in the future.
Whether you are a first- or last-time buyer – or you’d like to receive expert independent financial advice on any other aspect of your long-term financial plans – get in touch by emailing hello@fingerprintfp.co.uk or call 03452 100 100.
Please note
Your home may be repossessed if you do not keep up repayments on a mortgage or other loans secured on it. Think carefully before securing other debts against your home.
