Mortgages
Your home may be repossessed if you do not keep up repayments on your mortgage. Home reversion plans and lifetime mortgages are complex products. A lifetime mortgage is a loan secured against your home. To understand the features and risks, ask for a personalised illustration. Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits.
One Four Nine Mortgages
Our Home to Help You Secure Yours.
One Four Nine Mortgages is the nationwide in-house mortgage solutions arm of One Four Nine Group, an independent chartered financial planning and investment management group.
At One Four Nine Mortgages, our experts provide hassle-free mortgage solutions to all suitable clients across the UK. Through our guidance, we will help you find the best mortgage borrowing solution for you and your family and will be there with you throughout the entire house buying process.
How We Can Help
We can help with a wide range of mortgage requirements whether you are a first time buyer or self-employed.
Looking for a Mortgage?
Through our mortgage advice, we will work with you to get fully prepared, whatever type of mortgage you need. We can tell you who and what is involved, how long it will take and how much you can borrow, working with you to get your mortgage in place before you buy.
First-Time Buyers
If you’re ready to leave renting behind, we can help you to get on to the property ladder with a tailored first-time buyer mortgage. Our mortgage specialists will help you find answers to questions such as ‘how much can I borrow?’, ‘how much do I need for a deposit?’ and ‘what are gifted deposits and are there other ways I can get started?’
Mortgages for the Self-Employed
Searching for a mortgage when you’re a director of your own company, a sole trader or in a partnership can be daunting, but we’re here to support you every step of the way. You don’t need to take out specific self-employed mortgages from specialised lenders, but you will need to show a lender that you will be able to comfortably afford your repayments. Each lender will assess your ability to repay differently based on how you use salary, dividends and retained profits to pay yourself.
Remortgaging
If you’d like to save money on your mortgage repayments, raise cash against the value of your home or change the repayment term, type or conditions of your loan, it may be time to consider remortgaging your property. From calculating the impact of any early repayment penalties on your existing mortgage to identifying how much you could borrow through a remortgage valuation process, our mortgage review service will help you assess whether a remortgage is right for you.
Mortgages Insurance and Protection
A mortgage is likely to be the biggest financial commitment you ever make, but too many of us don’t know how we would continue to make mortgage payments if there was a significant change in our finances. Our ability to make repayments can be impacted by unforeseen changes in our income, including serious illness, injury and the premature death of a loved one, which could put our homes at risk.
Lifetime Mortgages
Lifetime mortgages are a popular form of equity release, where a homeowner can access funds based on the value of their property without having to move house. If you’re aged 55 or over and have a property worth at least £75,000, you may have a number of options for releasing cash from the value of your home. Lifetime mortgage equity release could be particularly helpful if you don’t have large savings and don’t want to sell your home. Whether you’d like to top up your retirement fund, make some home improvements or take a once in a lifetime trip, a lifetime mortgage could help you take advantage of some of the equity in your property.
Home Reversion Plan
A home reversion plan is a form of equity release where you sell a portion of your home’s value to a provider in exchange for a lump sum or regular income, while retaining the right to live in the property for life.
Home Improvement Loan
Whether you want to extend or upgrade your current property to suit your family’s changing needs, or carry out home improvements to add value before a future sale, releasing funds held within the value of your home could help you transform the house you have into the home of your dreams.
Buying Additional Property
With staycations rising in popularity, the time may be right for you to invest in a holiday home and make the most of what the UK has to offer. Alternatively, you may be looking for an investment to provide you with ongoing income or a retirement safety net. Many people choose to take on a buy to let mortgage, preferring a bricks and mortar asset to investment in the stock market.
Call us today
Let’s discuss your mortgage needs and help you find the best solution for you and your family.
