David_Ball_Flipbook (1)

Guide to moving home

David Ball Agencies

AUTHORISED AND REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

YOUR HOME MAY BE REPOSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Which type of Mortgage should I choose?

It is very easy to get confused by all the different type of mortgages

that seem to be available in today’s financial jungle and it is

only right and proper that there is such a wide choice, after all,

everyone’s individual circumstances are different, which also makes

our financial requirements different.

Newquay Mortgage and Pensions

are experienced Mortgage and

Financial Planners and are ideally placed to find the right mortgage

for your personal circumstances.

Because the financial institutions realise that we are all different with

differing financial commitments, they also appreciate that no one can

predict what may or may not happen to us in the future.

You may find that your income stays much in line with inflation and

you wish to carry on paying the same monthly payment until the

end of the term. Conversely, you could find a definite uplift in your

finances and may wish to increase the amount you pay monthly,

or pay off a lump sum and finish the mortgage in lesser number of

years.

Whatever the situation that arises, you can be sure there will be an

option or clause to cover it, however the average home buyer cannot

be expected to know them all. This is where Newquay Mortgage

and Pensions can really help you.

They have a team of highly trained individuals who have an intimate

knowledge of the mortgage market place and are up to date with all

the changes that take place on a regular basis. More importantly,

they are not biased towards any one particular company.

This means that they will hold a confidential review with you and

when they have a clear understanding of your requirements they will

help you choose from the thousands of mortgages available from a

multitude of lenders. They are also able to advise you on a host of

other areas including pensions, savings and investments.

Once this process is complete and you are settled in your new

home, they will continue working on your behalf to make sure that

the mortgage you have in place will always remain competitive as

interest rates and mortgage schemes change on a regular basis.

Choosing the wrong mortgage might well turn out to be a costly

mistake, on top of which, it will also be an experience you could

well do without. The choice of who supplies your mortgage is quite

rightly yours, but you would be well advised to contact Newquay

Mortgage and Pensions and discover just how much they can do for

you.

8 Chester Road, Newquay, TR7 2RX

Tel: 01637 851 444

Fax: 01637 850 774

Email:

info@nmandp.co.uk www.nmandp.co.uk