Mortgage Services in Association with

 

Which Mortgage is right for you?
You may be paying too much.
Could you get a better deal?
There are thousands of different mortgage schemes to choose from.

Buying a house is usually the biggest purchase most of us ever make, so make sure you get the best possible advice and service. By ensuring you have the most appropriate deal for your circumstances, you could save thousands of pounds over the term of your mortgage.
Even if you already have a mortgage you may be able to change it to a more flexible and cost effective one.

YOU MAY HAVE TO PAY AN EARLY REPAYMENT CHARGE TO YOUR EXISTING LENDER IF YOU REMORTGAGE.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Effective planning and good advice.
Have you ever considered making additional payments which could reduce the interest payments on the cost of your property or reduce the term, or both? It could save you thousands of pounds over the term of the mortgage.
With so many mortgages available only a few of them will fit your needs.
Would you be able to find one without proper independent advice?

 

Self employed.
Self employed? We aim to find you a mortgage which is suited to your circumstances and requirements.

 

How best to pay your mortgage.
Which is the best method for you? Repayment or Interest only? What's the difference between them? We can advise you on how both types of mortgages work so that you can be sure you are on the method that suits you.

 

Do you have other loans?
You could consider consolidating these debts and reduce your monthly outgoings or if you need to raise capital for any other reason. Although the monthly repayments will normally reduce, the overall costs may increase and the repayment period may be extended.

 

Tailored to your needs.
We will find out what is most important to you and search the whole of the market for a mortgage most suited to your needs and circumstances.

 

Property purchases for residence, buy to let and let to buy.
Have you considered purchasing a property to let? Some lenders will lend up to 90% of the purchase price. We can help you assess this opportunity.

Most buy to let mortgages are not regulated by the Financial Services Authority

 

We can visit you at home or you can visit our office. It’s your choice. A conversation with us won’t cost you anything. It may result in you paying far less in repayments on your mortgage.

 

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

 

S & J Mortgage Options is a trading style of Utopia Mortgage Solutions, which is an appointed representative of Genesis Home Loans plc, which is authorised and regulated by the Financial  Services Authority for the conduct of non-investment insurance and mortgage business. Second charges, commercial loans and buy-to-let mortgages (where the resident is not related to the borrower) are not subject to Financial Service Authority regulations.

Genesis Home loans Plc can be found on the FSA register  (www.fsa.gov.uk/register ) under reference 305920.

The information on this website is subject to the UK regulatory regime and is therefore targeted at consumer based in the UK.