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AMD Financial Services - Menu of services

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Mortgages

Here at AMG Financial Solutions Ltd we can offer advice on all types of mortgages. Whether this is a residential mortgage for people moving home, a first time buyer mortgage, a buy to let mortgage or even more specialist loans such as for commercial property.

We offer advice on the most suitable type of mortgage for you and will make a recommendation not only on the best value for money but also the most suitable product tailored to your own requirements and individual circumstances.

We offer a comprehensive range of mortgages from across the market and often have access to exclusive products which are not available direct.

There will be a fee for mortgage advice. The precise amount with depend upon your circumstances but we estimate that it will be £599.

Once we have recommended the most suitable product we will assist you throughout the whole process, dealing with the lender, solicitors, surveyors and estate agents. You will find that us liaising with these parties for you is invaluable while at the same time giving you one point of contact should you need to ask any questions or need any advice along the way.

Residential mortgages – purchase or remortgage

These are mortgages on the residential home and can be to purchase the home or to remortgage the home away from the existing lender, for example when the current rate has come to and end and you wish to get better value for money, or you may wish to remortgage and raise extra capital. We will discuss the different options for you for example repayment type, product type – i.e. fixed rates, variable rates, capped rates, discounted rates as well as other features which may be important to you including an offset facility, a future reserve or flexible mortgages where you would like the option to make overpayments and take payment holidays.

First time buyer mortgages

Whilst the process for a first time buyer mortgage is similar to a residential mortgage for a next time buyer or someone who is simply remortgaging, the criteria can be different as lenders’ take into account the increased risk of customers who are new to the market. Dependant on circumstances there may also be a need for a guarantor on the mortgage, whether this is a full or limited liability and we can offer advice on the most suitable way of doing this.

Buy to let mortgages

These are mortgages for the purchase (or remortgage) of a rental property. There are many extra factors to consider when arranging a buy to let mortgage and deciding whether an investment property is the right step for you. There are many different rules in place when arranging a buy to let mortgage, for example the property type, the tenants, the amount of rental income etc and these rules will vary from lender to lender. For this reason, as well as the fact that these mortgages are on the whole not regulated by the Financial Conduct Authority it is imperative that you have the right guidance on this type of transaction. As authorised advisers of a market leading network you can rest assured that the advice you receive from us for these mortgages are treated with the same level of diligence as regulated mortgages. We have the experience and knowledge to ensure you are being given the most suitable advice. Advice is available for anyone from first time landlords through to experienced investors taking advantage of low house prices and the buoyant rental market by purchasing more property.

Commercial loans

This type of loan can be arranged when buying a commercial property for example a shop for your business, or even an existing business. This is a complex type of loan and we would recommend you contact us for advice. The terms and rates are very different to standard mortgages and are dependant on your requirements and circumstances. We have established relationships with commercial managers to ensure you access a suitable deal for you.

Overseas mortgages

Mortgages can be arranged on properties abroad, or for ex-pat clients living abroad wanting to buy property in the UK. The mortgages on offer will depend on the country you are buying in and from. We have access to lenders who can offer this service.
Changes in the exchange rate may increase the sterling equivalent of your debt.

The Financial Conduct Authority does not regulate some forms of buy to lets, commercial loans, overseas mortgages, trusts, wills or conveyancing.
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
Your home may be repossessed if you do not keep up repayments on your mortgage.

amg financial services cheshire poynton

AMG Finanacial Services Staffordshire office

AMG Financial Service - West Midlands - Birmingham office

AMG Financial Services Berkshire office

Contact

AMG Financial Solutions
17 Park Lane
Poynton
SK12 1RD

info@amgfs.co.uk
Tel: 01625 878242
Fax: 01625 878278


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AMG Financial Solutions Limited is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.

AMG Financial Solutions Limited is a company registered in England and Wales with company number 05194334. The registered office address is 17 Park Lane, Poynton, Stockport, Cheshire, SK12 1RD.

The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

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