Expert mortgage broker.

Fusion Financial Services Ltd works with you to devise the perfect plan for your mortgage.

Mortgages

A Mortgage is likely to be the single largest financial commitment you ever make in your life. At Fusion Financial Services Ltd your mortgage adviser will learn about your situation and explain your mortgage options before making a product recommendation, we’re a whole of market mortgage broker for first charge mortgages; we look at products from across the market to find the right deal for you.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT

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First- Time Buyer

A first-time buyer is usually someone who’s never owned a home before either in the UK or abroad. The property you’re buying also needs to be where you’ll live, rather than some where you’ll rent out or have as a second home.

Buying your first home should be fun- not frightening!! It’s easy to see why some people can feel overwhelmed though.

There are lot of different terms thrown at you from the second you start looking at mortgages- repayment mortgage, fixed rate, standard variable rate, etc.- Not to mention the fact that you might not know much about the property- buying process in general.

You don’t have to figure it all out by yourself. Not only do we find you the right mortgage deal for your situation, but we also explain the different mortgage options available to you as a first-time buyer and assist you at every stage of your home buying journey.

Give us a CALL we would love to be a part of your home buying journey.


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT

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Buy- To- Let

A buy-to-let or buy to rent mortgage is a type of mortgage specifically for properties that are owned or purchased with the intention of renting them out.

They’re often set up on an interest- only basis, which means you only make monthly interest payments each month. The outstanding loan balance- i.e. the amount you borrow – doesn’t reduce and is paid back at the end of the mortgage term via a suitable repayment vehicle, usually the sale of the property.

If you rent out a property on which you only have a residential mortgage, you’ll be in breach of your mortgage agreement which could put your property at risk of repossession. To rent out your property without breaching your mortgage agreement you’d have to either obtain consent to from you existing lender or switch to a buy-to-let product.

Buy-to-let is an investment. Therefore, finding the right deal is critical if you want to make most of your financial venture- otherwise, what’s the point?

As a mortgage broker at FUSION we’re perfectly placed to advise you and find a mortgage that matches your property needs

We’re experienced in finding the suitable mortgage product for less conventional situations CONTACT US to get the right deal for you,


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

Most Buy to Let Mortgages are not regulated by Financial Conduct Authority


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Re- Mortgaging

ReMortgaging is the process of changing your mortgage on your existing property to a new one, switching from one mortgage lender to another. This new mortgage takes place of the previous mortgage you have on the property. Many homeowners choose to remortgage when coming to the end of their existing rate looking for a better deal or planning to borrow more money against a property.


When is Remortgaging suitable?

Remortgaging may be suitable for you if:

  • The introductory deal on your current mortgage is due to end soon and you’d like to avoid being transferred onto your lender’s SVR ( standard variable rate):
  • You need money to fund home improvements
  • Your property has increase value and you want to benefit from a lower rate by going onto lower Loan to value product.
  • You want to consolidate multiple other debts.
  • You have large expenses coming up- like a wedding or school fees you want to help your children with a deposit etc.
  • Your existing lender’s product transfer rate is high and remortgaging would be more cost- effective.


Remortgaging may not be suitable:

  • You need small mortgage
  • You took out your current mortgage within the last 6 months.
  • Your current mortgage has high ERCs (Early Repayment Charges)


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


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Moving Home

Moving home is an exciting time. There are lot of fun parts you get to enjoy- such as viewing houses, exploring local areas, choosing new furnishings – but these are sometimes overshadowed by the more stressful parts, like arranging a mortgage.

It’s a life changing decision so it’s important to get the right mortgage whether you’re downsizing or upsizing and moving into your dream home, Even if you’ve already experienced the moving and mortgage process when applying for a first time buyer mortgage, the added stress of selling your existing home can make the process more complicated, Don’t worry though- we’re here to make it as easy as possible.

Fusion Financial Services Ltd is mortgage broker with access to the whole of the for first charge mortgages. We not only provide mortgage advice for moving home we aim to help smooth the process of buying journey so you can enjoy this experience – like you’re supposed to.

Please get in touch and see how we can help!!


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

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  Your Dream Home. 

We help you achieve the dream of home ownership.

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