We can help reduce the stress of moving
For most people, their mortgage is probably the largest financial transaction they are likely to undertake. There are hundreds of different mortgage products available and the choices at times can be confusing. This is where we can help – We can offer an honest and unbiased assessment of your needs and recommend the most appropriate deal which is individually tailored to your circumstances and requirements.
Independent Mortgage advice is now more important than ever.
Most media outlets have some form of best buy table for mortgages which looks helpful. However, these may not provide the full picture in terms of large arrangement fees and hefty tie-in penalties for example. At McCreas we can help and after a full review of your personal circumstances will suggest what product options suit your needs, how long you have to repay it over, when it will need to be reviewed and many other important considerations.
How we can help
After careful consideration of your complete financial situation, goals and aspirations, we can recommend which product and method we would advise for efficient repayment of your mortgage.
At McCrea Financial Services, we pride ourselves on our ability to constantly review all aspects of your finances, from investments to mortgages, protection and pensions. We look at your mortgage not only as a loan to buy your home, but as part of your overall financial profile, in order that it ties in with your intended retirement date, when you plan to start a family, when you want to move home or other important events.
Fixed, tracker, discounted, capped, arrangement fees, portability, redemption charges, help with costs, flexibility, offsetting – these are just a few of the options available. Not to mention the repayment method, will you repay the capital on a monthly basis, or build up funds elsewhere to repay the mortgage in its entirety at some point in the future?
How do you know if you have the correct mortage product and strategy until an expert assesses what you need from the mortgage? This is where McCreas can help and guide you through the mortgage market.
Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage.