Appletree Finance Mortgage Advice
A mortgage is likely to be the single largest financial commitment you ever make. Our advisers will talk you through the financial aspects of mortgages and advise on a comprehensive range of mortgages from over 50 different lenders to give you the mortgage advice suited to your circumstances.
Appletree Financial Solutions undertake credit broking and are not lenders
Buying A Home
Choosing the right mortgage for you is all part of buying your home. We can help you source the right mortgage for you.
First Time Buyers
There are many different mortgage deals available for first time buyers, so choosing the right one for you can be tricky. It can depend on a number of factors, we can help advise and find the right mortgage to suit your budget.
When remortgaging it’s important to make sure that you consider all options. Remortgaging usually happens once an existing mortgage comes to an end but other reasons such as rate changes or a need for home improvement can also make home owners consider changing lenders.
Self Build Mortgages
A self build mortgage is ideal if you are considering building your own home. Money is released in stages as the build progresses making it easier for you to manage the process.
Often there can be a period of time between the purchase of a new property and the sale of an existing one, in this instance a bridging loan is taken out to bridge’ the gap and lessen the chance of a sale falling through.
Some Bridging Finance is not regulated by the Financial Conduct Authority.
Buy To Let
If you are considering buying a property as an investment and do not intend to live in it, you would consider a buy to let mortgage.
Some Buy to Let lending is not regulated by the Financial Conduct Authority
An Offset Mortgage works by ‘offsetting’ your savings against what you owe on your mortgage, therefore reducing the overall amount of interest you pay.
The term “flexible mortgage” refers to a residential mortgage loan that offers flexibility in the requirements to make monthly repayments. You can for instance take payment holidays or make overpayments but there are limits and each lender may be different.
Second Charge Loans
Second charge mortgages are often referred to as second mortgages because they come behind your first mortgage. They are a secured loan, which means they use the borrower’s home as security.
The loan finance mentioned is not part of the Openwork offering. Openwork accept no responsibility for this service.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT
Appletree Financial Solutions Limited is a credit broker not a lender
Investing money needs careful consideration and you need to be absolutely sure of the risks involved. This section provides generic information on different types of saving & investment. You should seek advice appropriate to your specific circumstances prior to making any decisions.
A mortgage is likely to be the single largest financial commitment you ever make. There’s a wide range of mortgage products out there, with varying interest rates and repayment options available.
It’s important to plan ahead for your retirement. Here, we explain why pension planning is so important, and describe some of the options available to you. This information is intended only as guidance. For advice on your specific circumstances, please get in touch.
It’s important to ensure you put the right insurance in place to protect your home, it’s contents and your overall financial security.
Life and Protection Insurance policies can protect you and your family from the financial consequences of death, a serious accident or illness, or unemployment.