Buying your dream home is likely to be the most important financial commitment of your life. There are many mortgage products to choose from like deciding which type of mortgage you would like to go for, be it Fixed, Variable, Discounted, Capped, Uncapped or a Cash-back Mortgage. In addition, the interest rates you pay will vary from product to product. Also, with some mortgage products the banks will offer you a low interest rate however, they will charge you for an arrangement fee whilst other mortgage products may have a higher interest rate but have a free or low arrangement fee.

At SJD Financial Services we strive to search the market for you, going through all the options and giving you the full story including the costs that are involved such as valuation and booking fees that the lender may charge for buying a fixed or capped rate, and whether or not the lenders charge any redemption penalties. Therefore, we are able to find for you the best mortgage product to suit your needs which will save you money over the term of the mortgage.

The interest rate you pay will stay the same throughout the length of the deal no matter what happens to interest rates. You’ll see them advertised as ‘two-year fix’ or ‘five-year fix’, for example, along with the interest rate charged for that period.

Buy To Let Mortgage

A buy To Let mortgage is a loan for purchasing or refinancing residential property which is let to tenants rather than lived in by the borrower.

Buying your first home or moving home should be an exciting event in your life, our aim is to make this transaction run as smoothly as possible, and we will guide and update you from start to finish.