Mortgages

Buying a property can be the most substantial single purchase you ever make and whether you are a first time buyer, moving home or simply mortgaging for a more competitive rate, it is vital that you have the right mortgage. With so many lenders offering so many products, the choices can be bewildering. My expert mortgage advice will help guide you through the complexity of today’s mortgage markets, making the process as straight forward as possible, and helping you find not only the right kind of mortgage to suit your individual needs, but also the best rate from the best lender.

I offer a comprehensive range of first choice mortgages made available in intermediaries from across the marketplace to meet an array of needs and criteria: the employed and self-employed, Help-to-Buy, buy-to-let, self-builds, UK mortgages for holiday homes in the UK and abroad, expats* and access to commercial.*

I also offer intergenerational mortgages for parents and grandparents wishing to help their children and grandchildren onto the property ladder.

I do not believe in providing advice on mortgages in isolation and instead take a broader perspective, seeking to understand your financial needs in detail to ensure that your mortgage arrangements are consistent with a wider financial plan.

St. James's Place guarantees the suitability of my advice given when recommending any of the wealth management products and services available from companies in the St. James's Place group, more details of which are set out on the Group's website at www.sjp.co.uk/products

The essence of my business is to help make it easier and simpler for you to manage your wealth, and my team and I aim to achieve this through the provision of personal, face-to-face wealth management advice that is designed to suit your individual long-term requirements. Use my simple mortgage calculator to see how much you could potentially borrow. You can use the applicant income sliders or simply type in the amount you wish to borrow. The monthly payments and total amount payable figures will change as you use the tool.

The home on which the mortgage is secured may be repossessed if repayments are not maintained.

*Commercial mortgages are not regulated by the Financial Conduct Authority.

*Ex-pat subject to certain terms and conditions being met.

 

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Mortgage guide

You can also download our mortgage guide for further information.

The Partner Practice is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group’s wealth management products and services, more details of which are set out on the Group’s website www.sjp.co.uk/products. The ‘St. James's Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James's Place representatives.