Guardian Advice provide completely independent mortgage advice in Eastbourne. We are not tied to any particular lender or panel and our objective is always to find the best deal to suit our client’s circumstances and life goals.
The mortgage market in the UK is vast and having an experienced whole of market mortgage adviser in Eastbourne working on your behalf should not be seen as a luxury but as a necessity. Without independent advice it is extremely difficult to navigate the thousands of mortgage products and lenders’ specific criteria, alongside having to deal with all the administration that comes with a mortgage application.
Clients of Guardian Advice Eastbourne are looked after for life. We are all for building close relationships with people over many years and we believe this is the recipe to our success. Our intelligent diary system means you never have to worry about what is coming around the corner as we are already a step ahead for you.
First Time Buyer
Buying your first home in Eastbourne should be an exciting time in your life and something to be proud of. Doing anything for the first time can be incredibly daunting but having an experienced local adviser working on your side makes everything much easier and takes the unneeded pressure away.
The mortgage market comes with its own confusing language—from DIPs to AIPs, LTVs to APR. Your adviser will speak to you in plain English and is just a call or email away if you need more information on anything at all.
If you are looking to take a step up the housing ladder, move to an exciting new part of the country or downsize to something more manageable, there are a host of new options for you. Moving home is stressful enough without the need to worry about the financial side of things.
Guardian Advice Eastbourne can either help you find a new mortgage lender or if you are tied into something like a fixed rate we may even be able to bring your existing mortgage to your new home (porting) and avoid any early repayment fees. We take on all the administration and deal with the lenders on your behalf saving you the time and energy.
When your special deal (fixed, tracker, discounted, etc.) with your existing lender comes to an end, it is likely that your monthly mortgage payments will increase as you slip on to the mortgage provider’s ‘Standard Variable Rate’. We contact all existing clients of Guardian Advice three months before their special deal finishes to begin planning for a follow on rate, in the effort to keep costs to a minimum.
This is also a great time to reassess life goals to make sure your current mortgage is set up correctly for your needs. We can help switch you from interest only to a full or part capital and interest mortgage, borrow additional funds for home improvements or debt consolidation and even look into reducing your mortgage if you have any savings or inheritance.
Our main speciality is helping people obtain large mortgages (£500,000+). With most mortgage providers the bigger the lending requirement is the more complex the criteria can be. Instructing the services of a specialist independent mortgage adviser takes all the complexities and stress away from organising such a large borrowing.
Percentages play a bigger role with large numbers so obtaining a marketing leading interest rate can potentially save you thousands. Guardian Advice has access to exclusive mortgage rates which cannot be obtained by the high street or directly with lenders.
Buy-To-Let & Let-To-Buy
Some people are looking for investment opportunities and some people are looking at alternatives to pensions to provide income into retirement. Whatever the reason, more and more people are turning to the UK housing market and buying a property to rent out. As with all investments there are always risks to consider so having an experienced independent adviser working on your behalf is key to minimizing these risks and maximising the opportunities.
Buy-to-let mortgages are treated differently to residential mortgages by both the FCA and mortgage lenders. With complex criteria it is very difficult to navigate the market without the right tools and experience and getting it wrong could be very expensive.
If you are considering renting out your current residence and buying a new property to live in you will require a let-to-buy mortgage. Not all lenders provide this specialist type of mortgage so please feel free to contact us for more information.