Residential
Life throws us many different changes and challenges, which is why we don’t tend to remain in the same home forever.
Events, like changing jobs, starting a family, or retiring from work, may start us thinking about moving. During times like these, many people opt to keep their finances simple by remaining with their existing mortgage lender.
Yet this could mean missing out on more favourable rates elsewhere in the market. Your personal circumstances could also have changed considerably, leaving you with brand-new requirements from your mortgage.
Our advice includes whole-of-market recommendations, with access to deals you won’t find on the High Street through our network Quilter Financial Planning. Not only that, our friendly team come with decades of experience in the financial services sector. This means we’re able to navigate the market with ease, personally selecting the most competitive residential mortgage options for you to choose from.
Part time or freelance?
Many people assume a mortgage is not feasible unless they are employed full time. We have direct access to whole of market lenders resulting in many successful outcomes.
What evidence will I need?
- 2 years of verifiable income
- Your latest tax return
- A cash deposit
Can I change to a different of mortgage?
If you no longer need to live in your property but wish to keep it as an investment, we can help you switch to a buy to let mortgage.
Let us contact you
Simply complete the details above, and a member of our friendly team will call or email to arrange an appointment.
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Important: Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it. A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances. We typically charge £499. However, our maximum fee is £749, and our minimum fee is £99. Our fee is payable before we do any chargeable work on offer. Tiered pricing table dependent on circumstances.
• Complex Transactions including Complex Income, Debt Consolidation and Adverse/Sub Prime £749
• Residential Purchases £499
• Residential Remortgages £299
• Product Transfers £99.
What is the next step
Step 1
Life continually moves on and with that comes increased responsibility. Whether you are buying a home or starting a family, it is an exciting time but you must plan ahead now to ensure that if something goes wrong, you and your loved ones are fully protected.
Step 2
Speak to our friendly team to discuss your needs. Simply book an appointment and we will advise you on the right level of cover. With whole of market access we will ensure you find the right products for your individual needs.
Step 3
Our expert team have a wealth of experience helping individuals and couples plan for their futures. Whether you are considering mortgages, life insurance or income protection we will find the right option for your circumstances protecting you for the future.
Ready to talk to a professional
Important: Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it. A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances. We typically charge £499. However, our maximum fee is £749, and our minimum fee is £99. Our fee is payable before we do any chargeable work on offer. Tiered pricing table dependent on circumstances.
• Complex Transactions including Complex Income, Debt Consolidation and Adverse/Sub Prime £749
• Residential Purchases £499
• Residential Remortgages £299
• Product Transfers £99
Applying for your first mortgage, or moving to a larger property? We’ll find you the most cost effective options.
Frequently asked questions
How much stamp duty will I have to pay?
When purchasing a home (and if you are not a first-time buyer), the current rates of stamp duty for properties are:
First £250,000 = 0%
Between £250,001 – £925,000 = 5%
Between £925,001 – £1,500,000 = 10%
Above £1,500,000 = 12%
For more complexed circumstances then please seek advice from an accountant or your solicitor.
How much can I borrow for a residential mortgage?
It will mainly depend on affordability, i.e. the amount of income that can support the borrowing less any committed expenditure, such as unsecured loans and credit cards, maintenance, childcare costs, school fees etc. We will help identify the most suitable lender for you based on these factors and guide you to ensure we recommend the most suitable mortgage to meet your current and future requirements.
What happens if I want to move before the end of my mortgage term?
We will be on hand to advise you on the best way to finance your move. We will take all of your circumstances into account including reviewing your current mortgage and recommending the best way forward. Naturally, we want to ensure your move goes through as smoothly as possible and at the lowest possible cost whilst meeting all your mortgage needs.
Couldn’t find your answer? Ask a question
Let’s get started
To arrange an appointment with our friendly team, all you have to do is click the button below. We’re looking forward to meeting you.
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About:
Chambers Financial Services Limited is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited which are authorised and regulated by the Financial Conduct Authority. Click here for more information. Internet Privacy Policy
Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited 11/01/2024
Find us at:
Fleet House, 1 Armstrong Road, Benfleet, Essex SS7 4FH
Important:
Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it. A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances.
We typically charge £499. However, our maximum fee is £749, and our minimum fee is £99. Our fee is payable before we do any chargeable work on offer. Tiered pricing table dependent on circumstances.
• Complex Transactions including Complex Income, Debt Consolidation and Adverse/Sub Prime £749
• Residential Purchases £499
• Residential Remortgages £299
• Product Transfers £99
The Financial Conduct Authority do not regulate some buy to let mortgages.
Chambers Financial Services Limited is registered as a company in England & Wales registration number 08201095. Registered address: Arlington House West Station Business Park, Spital Road, Maldon, England, CM9 6FF.
