Mortgages
For most clients, the largest part of their portfolio will be their home. As well as being an important financial decision buying a property can be time consuming and stressful. We not only find you the best rates, but can advise on sensible levels of borrowing, how to make the most of your deposit and advise on lenders that may not be known to you.
Where to start
There are a number of products and providers on the market and it can be difficult to know where to start when looking for a mortgage. Add to that, no individuals circumstances are the same and headline rates can vary from date to day. We will find the most competitive, lowest cost option available to you saving you time and stress of having to travel from bank to bank or spend hours online and ensuring that the process goes as smoothly as possible.
We can find solutions for a number of individual scenarios, whether you are a first time buyer, buying a dream family home, capital raising, or looking for a buy to let or commercial purchase.
Specialist Advice
We also offer specialist advice in affordable housing and have close links with housing associations and local authorities. We can offer specialist advice on a wide range of government funded schemes such as shared ownership.
For those clients looking to realise the equity they have in their homes, we can offer specialist advice. There are a number of different ways to release equity from your home. We can advise on the right option for you and how any borrowing should be structured to make sure that it is appropriate for your individual circumstances. PIL are members of the Equity Release Council (ERC) so all advisers who deal with equity release have the comply with their standards.
