Through our in house mortgage broker Gem Mortgages we are delighted to be able to offer mortgage, protection and insurance services to all of our clients.
Buying a new home can be very exciting but also very daunting. Gem mortgages will be there to offer a friendly face, helping you through every step of the process.
Whether you are a first time buyer, re-mortgaging, or buying your next home, Gem Mortgages can offer you expert and impartial mortgage advice, cutting through all of the jargon and searching thousands of products to find you the mortgage that best suits your circumstances.
Gem Mortgages offer the following services:
First time buyer
Buying your first home can be exciting but very daunting, Gem Mortgages will be the friendly face helping you through each step of the process.
Remortgage
In some cases, homeowners can save hundreds of pounds a year by moving their mortgage to a more attractive rate with a different lender.
Re-mortgaging can also work if your property has increased in value and you want to free up some cash from the equity tied up in your home.
If your current mortgage deal is coming to an end, or if you’ve been with your existing lender for a while, this could be a very good time to think about switching to get a better, more cost-effective mortgage deal.
There may be an early repayment charge on the remortgage section
Moving home
Choosing the right sort of mortgage to meet your needs and circumstances can seem a bit overwhelming, with many different types to choose from.
I will be able to help you by explaining what’s on offer, what the key features are, and what type of mortgage best meets your individual circumstances.
Buy To Let
Rising property values and a booming lettings market has meant that many lenders have developed mortgage deals tailored to the needs of would-be landlords. For investors seeking rental yield or capital growth, property has proved a good investment at a time when returns on other types of asset have been comparatively low.
Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority
Insurance
Most of us are aware that there are policies available that provide life insurance, protect us in the event of a critical illness, pay out if we had an accident and were unable to work, and can protect our home and possessions. However, with so many different types of policy available in the market place it can be hard to know which one is right for your circumstances and offers the best value for money. However, putting off the decision to take out cover could jeopardise your family’s financial future should the worst happen.
What are our Fees and Charges?
Insurance We will not charge you a fee for our services relating to insurance, but we will receive commission from the product provider. The commission will be calculated as a proportion of the premiums paid for the insurance product. You will receive a quotation which will tell you about the fees and charges relating to any insurance policy that we recommend.
Mortgages No fee will be charged for our advice services. We will be paid a procuration fee from the lender.
To arrange a consultation with Gem Mortgages, either over the phone, in our office or in your own home, please call us on 01225 755553 or email This email address is being protected from spambots. You need JavaScript enabled to view it..
Your home may be repossessed if you do not keep up repayments on your mortgage
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Gem Mortgages is a trading name of Gemma Louise Coleman who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of TenetLime Ltd. TenetLime Ltd is authorised and regulated by the Financial Conduct Authority.. Gem Mortgages 24 Fore Street, Trowbridge, BA14 8ER
