We pride ourselves in carefully considering your circumstances before recommending the right mortgage, helping you every step of the way.
At Brighthelm Financial, we ensure careful management of the application process with the mortgage companies, estate agents, and solicitors from application through to approval and completion.
We cover a range of mortgage services, including first purchases, rate renewals, moving home, equity release and refinancing interest only mortgages with balances at the end of their term.
We have the knowledge and experience to assist investors to manage Buy To Let portfolios and advise landlords’ on re-balancing, re-broking and disinvesting portfolios to ensure their profitability and tax efficiency.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Simple Mortgages
Residential purchases and residential remortgages
Complex Mortgages
This covers, all BTLS, shared ownership, right to buy, help to buy, stair casing help to buy or shared ownership, transfers of equity, joint borrower sole title, self build, complex build types/titles. These cases take significantly more work and therefore our fees are higher to reflect this. </p> <p>If during our fact finding process we discover a case is actually complex not simple, we reserve the right to increase our fees accordingly.
Rate Switches
For clients who don’t need a full review and are suitable to remain with their current lender we offer a rate switch review. During the review we assess the wider market place and rates on offer and compare this with your existing lenders range. If your existing lender best allows you to meet your goals, then we will advise you on the best product for you, complete the paper work and ensure implementation.