Mortgage Programme

The emphasis on speciality is continued, we have again looked at the mortgage marketplace and taken the bold decision to provide mortgages ourselves. We only provide advice in relation to Mortgages and the associated protection that should be recommended when concluding a new mortgage or re-mortgage.

Once again the need to gather information prior to any advice being given is our major requirement. We have to be sure as a company that the mortgage being recommended meets the needs of our clients. The decision to recommend a fixed, discounted or tracker mortgage for example is not one to take lightly and the choice in this respect needs to be based on your needs now and in the future.

Summary of Areas Covered:

  • •First Time Buyer
  • Re-Mortgage
  • Buy to Let
  • Equity Release

Our aim is to give you the ability to buy the home of your dreams in the most efficient and cost effective manner possible.

THINK? Are you paying too much for your current lending?????

If you are, could you clear your mortgage earlier with the saved money.

First Time Buyer

There are many factors a first-time buyer may need to consider before purchasing their first property. Assessing how much you can afford to borrow, taking advantage of the services available and purchasing the right protections that are relevant to you.

Our role is to offer guidance and advice as to the best way to take the first steps on the property ladder.

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


Is your mortgage costing you more than it should? Re-mortaging could save you money!

The housing market is continually changing. If the fixed or promotional period of your mortgage is coming to an end its worth checking to see whether you could move to a better deal. Re-mortgaging could lower your interest rate or allow you to borrow more money against the value of your property.

Smooth Move can assess your current mortgage arrangement and compare it to other products available. When considering a re-mortgage many factors will affect your ultimate decision. Our role is to provide you with the right independent information to make the right choice at the right time.

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

Buy To Let

If you have the available capital, buying a property to rent it out can provide a good income in addition to any increase in the value of the property over time.

Whether you are just starting or already have a property portfolio, Broom Consultants can help you to review the market and specialist mortgage packages for landlords from different lenders. We have great experience in matching your strategic needs to a mortgage with the right conditions and aim to advise you in making the right decision. In addition we can also make suggestions as to other protections and insurance you may wish to consider.

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

Equity Release

If you own your own home you may be able to release the equity held within it as a lump sum or income. You would still retain the use of your house capitalising on its value.

Smooth Move can discuss the options and implications of an equity release scheme, provide a personalised illustration and help to assess whether it may suit your situation.


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