SOUND MORTGAGE ADVICE

Roxann offers a unique service in seeking finance solutions to accommodate your needs rather than the needs of the lending institutions.

I am a Whole of Market Mortgage Broker and committed to finding the best mortgage possible for you. Providing a first class service in sourcing mortgages for residential, specialist overseas mortgages, commercial and secured loans regardless of the loan amount and your requirements. My focus is understanding your needs and keeping the process simple for you.

The Choice Is Yours…
With access to the whole of the UK market I can offer a wide selection of mortgage products with exclusive rates only available through mortgage consultants, including

• Re-mortgages
• First-time buyers
• Self-build/refurbishments
• Buy-to-let
• Second-time buyers
• Co-ownership
• All other types of mortgages

Please note that the actual interest rate depends on your financial circumstances.

Through my advised service, finding the best product to suit your needs has never been easier, quite literally the choice is yours.

Business Finance
If you’re seeking business finance solutions or property investment finance, we work closely with commercial lending institutions encompassing all areas of commercial finance which includes:

• Commercial mortgages (full and non-status)
• Investment property finance
• Bridging finance
• Asset finance, ID and factoring
• Development finance

Property Investors
Mortgages, and a good broker, play key parts when you are a property investor. This may sound obvious but having a reliable efficient broker can help you secure a deal.

It is also very important in the world of buy to let, that you are fully aware of the monthly repayments to make sure potential rents would cover them. And what happens if interest rates go up 0.5%? Should you take a fixed rate for security? It is important when working out your monthly costs, you allow for void periods, and maintenance costs as well as your monthly repayments.

Most of us eventually, if not already, will be subject to some form of property tax. How we plan for this can be critical. However even just saying the word tax, puts many people off!

So having a good accountant is another key part. You need an accountant that is easily contactable by phone or email, your also need one that gives you the best service for the money, not necessarily the cheapest and understands what you need him for.

I can recommend Mark Saunders from Wilder Coe Chartered Accountants. To find out if Mark can help you email him at mark.saunders@wildercoe.co.uk

Think carefully about securing other debts on your home. Your home may be repossessed if you do not keep up repayments on a mortgage. Sound Mortgage Advice Ltd is an Appointed Representative of the Modus Mortgage Network Ltd, which is authorised and regulated by the Financial Services Authority. Please note, secured loans and buy to lets are not subject to FSA regulation. Sound Mortgage Advice charges an arrangement fee payable on completion. On average this fee is 0.5% of the amount of the loan arranged, however this may vary (up or down) dependant on your personal circumstances. The actual rate available will depend on your circumstances. Ask for a personalised illustration.