gareth morgan
TRANSCRIPT
Based in Fforestfach, Swansea Directly Authorised by the FSA Fully Independent Four advisers Company is nearly six years old Client focused Interested in long term
About Us
Purchases Re-mortgages Buy To Let Let To Buy First Time Buyers Self Build Secured Loans Life and critical illness cover Family Income Benefit Income Protection/redundancy cover
What We Do
Plenty of 90% deals Some 95% deals A lot of competitiveness back in market Housing market expected to rise this year Government schemes – Help to
Buy..................Also available for people moving home
First Time Buyers
Raise money to fund home improvements Build extension – many looking at this as
alternative to moving Secure some very competitive deals Raise money to purchase BTL Plenty of people on high SVR’s unaware of
savings they could make
Remortgages
Case Study 1
Property Value £150,000Mortgage £100,000Term – 20 years
Currently paying 5 yr fix @ 5.99% = £725pmSVR @ 4.99 = £659 per month (saving
£66pm)Remo to 2.04% = £507pm (£218pm saving)
Case Study 2
Property Value £120,000Mortgage £72,000Term – 14 yearsCredit cards - £6500 – min payments £182pm
Currently paying 3 yr fix @ 4.69% = £593pmRemo to 2.09% = £544pm (£232pm saving)
New job – not started Inter family purchase Debt consolidation – 95%!! Repossessions Auction finance Re-mortgage – raise funds purchase - LTB 2nd home
Recent cases
Get mortgages where nobody else could – Dawsons staff!
Quirky cases Mortgage Market Review (MMR) Off high street lenders – Precise/Kent
Reliance/Newcastle/Kensington/Mansfield/Keystone
How we add value