Mortgage Advice

Helping you secure your dream home

Whether you are a first-time buyer or you already have a property portfolio we offer professional advice when it comes to the complicated world of mortgages. There’s a wide range of mortgage products out there, with varying interest rates and repayment options available.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

How can our advice help you?

Moving house can be stressful, especially if you are sorting everything by yourself. Our mortgage advisers can help you with a number of services regarding mortgage advice, as listed below:
First time buyer advice will ensure you have a smooth and easy-going mortgage process
Remortgage advice will help you find the most appropriate remortgage deal
Buy to Let advice will help you find the right deal to save you the most money

How would you like to be contacted?

Your details will only be used to answer your query and they will not be stored for marketing purposes.

15 minute complimentary conversation

How it works:

We will call you to find out more about your aims and objectives

One of our Financial Advisers will then be in touch at a convenient time.

You will be able to ask any questions you have and find out more about investing with Future Perfect

Your consultation will be at our cost and there us no obligation to work with us afterwards.

The internet is not a secure medium, and the privacy of your data cannot be guaranteed.

How can we help you?

First Time Buyers

One of our professional mortgage advisers will provide you with support and guidance throughout the whole process of securing your first home.

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First we need to get some details from you, then you need to pass your lender’s affordability assessment, in the assessment, lenders will look at your annual salary & any other source of income and compare it to your monthly outgoings. A credit check will also be performed on you. All of these factors tie in to whether you will be accepted for a mortgage.

Buy to Let

These types of mortgages are designed for property investors and private landlords, who do not intend to live in the purchased property.

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Buying additional property for the purpose of letting it to earn rental income can be risky and complicated since there is no guarantee that house prices will rise nor that rental income will be uninterrupted.

That said, letting a second property to tenants could return respectable financial rewards over the longer term, but it’s important to properly consider the risks, as well as rewards, involved in ‘Buy to Let’ first. When buying a rental property, you will need to decide whether your investment objective is income or capital growth. Our professional mortgage advisers will help you step by step through the process.

Remortgage

Remortgaging means switching your mortgage to another deal without moving property.

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Some people switch mortgages because it will work out cheaper for them. For example, the introductory discounted interest rate may have finished with your current lender, and you might get a cheaper deal with another lender.

Other people remortgage to consolidate their debts.

Planning Ahead?

Even if your deal has not quite ended, it’s never too early to book in a call. Fill out our online form, and when your mortgage is due we will contact you in plenty of time to be able to assist.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Some Buy to Let mortgages are not regulated by the Financial Conduct Authority.

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I have given Andrew a five star, for his particular service although unfortunately our port folio hasn't performed as well as we hoped (but this is understandable given the current economic situation). However, he has explained everything very thoroughly in a way in which we can understand and given ideas for what we might do in the future to improve the performance. We have been involved with Future Perfect for many years and this is the only year that we haven't had a positive performance - we feel that we can trust Andrew and that is half the battle.

5
Janet Down
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Andrew Dix has been my trusted, go-to advisor at Future Perfect for a number of years. He is courteous and knowledgeable. I particularly appreciate the care he takes to recommend suitable products based on my needs. I never feel pressured to buy, and he is patience and will provide sufficient information so I can make an informed choice. High recommend. 💯

5
M Lin
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Graeme Moorhouse took us through the process as a first time buyer and highly recommend him!! He is so helpful, flexible and has a very good knowledge. Communications was excellent.

5
Lejla Sass
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"I know I can highly recommend Dan’s services due to his professionalism and integrity. That is why I have referred to my brother, knowing that he will look after him."

5
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"He is professional, quick to respond to queries, his advice and explanations around the progress of investments, savings and pensions is always comprehensive and clear."

5
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Kyle Adams has been my financial adviser for a number of years and I find him honest, realistic and impartial in the advice he provides. Always contactable and quick to respond. Thoroughly professional but also friendly. Would highly recommend Future Perfect.

5
Paresh Damani
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Mark has been really professional in his approach towards introducing me to investing. He has answered all queries in a simple manner.

I would highly recommend this company to anybody who would like to get into investing or need advice on making their hard earned money grow, or need any other form of financial planning advice.

5
Amritash Lahiri
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"All the way through you were great at explaining the different things we needed to consider, the options that would work best for us and the steps we needed to go through."

5
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Graeme Moorhouse was absolutely excellent. Took me through the process as a first time buyer. Was always available. Got me the best possible deal even with the hike in interest rates. Could not recommend any higher. Made the process extremely easy

5
Nathan Titus