Mortgages
We understand that taking on a mortgage is an important decision, however it should also be viewed as an exciting step, whether it be buying your first property, relocating to a new area or buying a home for a growing family.
At Gold Wealth Management, our mortgage advisers will help you understand the comprehensive range of options that are available to you and, together, make an informed decision about the product which is best suited to your individual circumstances.
Local Mortgage Advice
Although we are based in the City of London, we provide mortgage advice to clients all over the country. As our advisers live in Beckenham, we do also possess an extensive knowledge about this particular town and its surrounding areas, such as Bromley, Shortlands and West Wickham.
Helping First time Buyers
Buying your first home can be a daunting and challenging prospect, with clients often admitting that they need help to understand the process, whether it be the specific requirements as a first time buyer, or an awareness of the additional fees involved. Therefore, we aim to provide you with the guidance and support to make every step of the mortgage process as straightforward as possible, from initial enquiries to submitting the full application. Given our level of experience and expertise, we aim to optimise your chances of being accepted by a perspective lender and take your first step onto the property ladder.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Re-mortgaging
There are many reasons why you may be looking to remortgage your current property. You may be approaching the end of a fixed rate mortgage or looking to move from your lender’s standard variable rate, therefore this is a good time to investigate your remortgaging options. Whether you are looking for a cheaper rate, or just the security of fixing your monthly payments, we can search the mortgage market to help find the best solutions for you. This can even sometimes include lender incentives, such as free valuations or legal work.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Buy to Let
If you are considering becoming a landlord or extending your portfolio of buy to let properties, it is important that you understand the particulars of Buy to Let mortgages and up-to-date tax implications. For example, lenders will require a larger deposit than for residential mortgages, as well as the assurance that the projected rental income covers the mortgage payments by at least 125%. Our expert advisers at Gold Wealth Management can help you to navigate this area of specialist lending in order to support your investment goals.
Your home or other 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.
We offer a comprehensive range of first charge mortgages from across the market, which lenders make available to mortgage intermediaries, for which we will be paid a procuration fee by the lender
Got a question?
Do get in touch with us if you need a bit more information about these services, or any of our other financial planning advice.
