Buying a house is such an exciting time. Sadly, it's also, apparently, one of the most stressful experiences we get to go through in life.
Unless you're awash with free cash, chances are that, when you buy a house, you'll be looking for a mortgage too. Typically this means discussions with a bank or building society - and once they get involved, well, sit back and watch the needle on that 'stress-o-meter' shoot right over to the red.
Before you even get that far though, there's the decision about which type. Fixed rate or variable? What about fees? How much can you get? How much can you afford?
With, literally, thousands of mortgage deals out there, Park Financial are your perfect partner in finding the best deal for you.
We're independent - did we mention that already? Yes? Well sorry to bang on about it but there are plenty of mortgage advisers out there using that word but not being really independent (I know, the sneaky little devils eh?). Luckily, there are some ways to spot them. Adverts that say things like 'free mortgage advice' can often be a clue. When you see that, always wonder how people can survive working for nothing (answer: they can't. Someone else is paying them - which hardly makes for great 'independence' now, does it?).
Our advice isn't free but, as always, we'll tell you up front what we'd charge. The way we see it, it's better to pay a small fee than a lot more interest on an inferior loan that just happens to be from a lender who gave your adviser a healthy 'bung'.
Oh, almost forgot about remortgages. We do those too. Improving your property, starting a business, even clearing expensive debts - there's no end of reasons why people might be looking to raise a bit more cash (but be careful on that last one. Sometimes this can be good but not always - don't worry though, we'll tell you when it is and when it's not).
Perhaps you don't need to borrow any more but you just want to see if you can get a better rate than your current mortgage. We can usually give you a yes or no answer to that question pretty much straight away.
To discuss any of this further, please contact us.
But do remember - Your home may be repossessed if you do not keep up repayments on a mortgage or other loan secured on it.