Mortgages with Rhodes Wealth Management

Mortgage Advice

At Rhodes Wealth Management, we believe that mortgage advice is critical to successful financial planning. For many people, a mortgage is a part of achieving their long-term goals, whether you’re buying your first home or remortgaging to put in an offer on your dream family home.

Our mortgage advisers work with clients across the UK to help buyers with tailored mortgage advice. We offer a comprehensive range of first charge mortgages from across the market, which lenders make available to mortgage intermediaries.

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A Mortgage Advisor Can Help You Find The Right Mortgage Deal

The first step onto the property ladder is exciting, but it can be overwhelming too! There are so many options available and mortgage fees to understand. It can be difficult to know the right choice for you. Is capital repayment the best option for you? What is the long-term impact of an interest-only mortgage? How do you get a mortgage in principle? information A mortgage adviser can offer tailored mortgage advice to help you make the right choice for your future.

We’ll help you navigate the mortgage market so you and your family can take practical steps towards your first home. When you choose a Rhodes Wealth Management mortgage adviser you can be assured we’ll be with you on every part of your mortgage journey.

Remortgaging your home is when you stay in your current home, but apply for a new mortgage. When you take out a mortgage, you’ll often have a fixed period, between 2 and 5 years, at a set interest rate. You’ll have agreed to this rate with your lender directly or with mortgage brokers help. After your fixed period ends, you’ll usually be moved onto your lenders Standard Variable Rate, or follow-on rate. This can be higher than your initial deal rate, which means your monthly mortgage repayments will increase.

So you can choose between the best mortgage rates for you, our mortgage brokers will help you review the latest mortgage deals on the market. Your mortgage adviser will then help you secure the best mortgage deal possible.

This can help you save money which can be put towards your financial future with retirement planning or investment planning*.

*The value of an investment with St. James’s place will be directly linked to the performance of the funds you select, and the value can therefore go down as well as up. You may get back less than you invested.

If you’re moving house, whether you’re looking for a larger family home or want to downsize, you’ll need to understand the remortgaging process. If you already have a mortgage, you may be able to transfer your existing mortgage to your new property with a mortgage brokers help. Not every lender, or mortgage deal,  allows you to transfer your mortgage though. To find out, you can look through your mortgage documents, speak to your lender or ask for a mortgage brokers help.

It’s important to note, even if you transfer your mortgage you’ll need to reapply with your lender and pay mortgage fees such as valuations, legal fees and stamp duty for your new property.

You can also look at taking a new mortgage, as your current mortgage might not be the best deal available to you. Mortgage advice from your mortgage adviser will help you understand the options you have and put plans in place.

If you’re self-employed, there are extra steps involved in securing a mortgage. The majority of mortgage lenders will ask for at least two years of accounts to consider your mortgage application. Lenders tend to be stricter with self-employed applicants because there are expectations your income could fluctuate more than someone who is employed by a company.

While it can seem difficult to understand the mortgage process, a mortgage adviser can take a lot of the stress away and help you secure the right mortgage.

A Rhodes Wealth Management mortgage adviser will help you look at the mortgage deals available to you and prepare all of the necessary documents to apply.

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

We offer a comprehensive range of first charge mortgages from across the market, which lenders make available to mortgage intermediaries.

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