Mortgages
Purchasing a property can be a rollercoaster journey, and with an unpredictable marketplace, it is more important than ever to seek professional advice.
Our team of qualified mortgage advisors can guide you through the challenging decisions ahead, ensuring you make the right choice for your circumstances. Every borrower we help is appointed their own dedicated case manager, keeping you informed about your application right the way through to completion.
The panel of lenders at our fingertips represents the whole of the market, so you can always be sure that you have the complete picture, and that the options provided are the most affordable, competitive and practical.
Our mortgage advisors can help you, whatever the mortgage type you require.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Our service covers:
Remortgage
Getting the most suitable deal on your mortgage is crucial to your financial security and remortgaging is a simple way of achieving this. Switching to a lender with a more competitive offer, or negotiating better terms with your current provider, can save you thousands.
Remortgaging can also reduce the term of your mortgage, or allow you to access the equity in your property, to cushion you from life’s ups and downs.
Remortgaging can help you to:
- Save money on your mortgage
• Reduce the term of your mortgage
• Release equity to cushion your expanding family, home improvements or school fees
• Achieve financial security following a change in personal circumstances
We are experts at arranging remortgages and can ensure you get absolutely the right deal for your circumstances. If you are approaching the end of your penalty period, we can give you advice about the options open to you. Or if you have received an offer from your current lender, we can review it to ensure it meets your needs.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
First Time Buyers
The property market can be a hostile place for first time buyers, but seeking professional, expert advice can help you to get your foot on the ladder.
Our team of mortgage advisors are constantly researching the market for the latest and most suitable products. We can guide you towards the options that are not only the most affordable, but will work for you today and tomorrow.
We can help you to establish how much you can afford to borrow, what size of deposit you will need, and what your repayments will be, giving you peace of mind about the decision you make.
Moving Home
In today’s tough financial climate, it’s crucial that you secure the right mortgage for your circumstances when moving home.
With so many mortgages available, from a variety of different lenders, it can be difficult to know which way to turn. Our team of expert advisors have all the options at their fingertips, and can advise on those that will work best for you.
Your individual financial circumstances are at the heart of the advice we give, ensuring that whichever path you choose, it suits your lifestyle and future ambitions.
Moving home can be a stressful experience, but with our expert guidance on all aspects of your mortgage, you can be assured of a smoother ride.
Buy-to-let and Buy-to-let Re-mortgage
Buy-to-let re-mortgages offer the same benefits as domestic remortgages and negotiating a better deal can help you to navigate the challenging financial landscape
While the number of these mortgages that are available has suffered following the economic crisis, we can advise you on the options that are available and guide you towards the right choice for you.
Some buy to let mortgages are not regulated by the Financial Conduct Authority
Lifetime Mortgages and Equity Release
Securing a lifetime mortgage can enable you to access the capital in your home and is good option for retired home-owners looking for an additional income stream.
We can explain how this type of mortgage works and the options available. By working closely with the panel of lenders that offer this type of mortgage we have an expert view of the market and can answer any questions you may have about whether this avenue is right for your personal circumstances and future goals.
This is a Lifetime mortgage. To understand the features and risks, ask for a personalised illustration.
Equity Release and Lifetime Mortgages will reduce the value of your estate and can affect your eligibility for means tested benefits.
Commercial Mortgages
If you are looking to purchase a commercial property, we can help you to secure the right financial option for your business. We have access to a wide variety of commercial products that represent the whole of the marketplace.
With the current challenging economic environment, we understand that the competitiveness of your commercial mortgage is key. This is at the heart of the advice we give and you can be assured your business is in safe hands.
Commercial mortgages are offered by referral to a master broker only.
Commercial mortgages are not regulated by the FCA.
The guidance and/or information contained within this website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK.
Puleston Wealth Management Ltd. Registered in England and Wales under No. 08389899. Registered office address: Springside 21 Arley Road, Appleton, Warrington, Cheshire, WA4 4RN.
Puleston Wealth Management Ltd is an appointed representative of Quilter Financial Services Ltd & Quilter Mortgage Planning Ltd, who are authorised and regulated by the Financial Conduct Authority. Quilter Financial Services Ltd & Quilter Mortgage Planning Ltd are entered on the FCA register under reference 440703 & 440718 https://register.fca.org.uk/s/