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Moveright Mortgage Consultants LImited Swindon

Why use Moveright Mortgage Consultants Limited?

  • We offer a fee free initial consultation
  • Access to thousands of mortgage deals with exclusive deals available due to our link with Legal and General Mortgage Club
  • We are available for appointments 24 hours a day, 7 days a week either in our offices, or in the comfort of your own home
  • You can be sure to receive the highest level of customer service
  • We will provide our recommendations to you in a quick, clear and concise manner
  • Years of experience in brokerages, banks and building societies
  • Links with quality Estate Agents and Solicitors
  • One point of contact throughout the entire process
  • We will use our experience of the local property market to liaise with valuers and estate agents

What services can we offer?

Mortgages

  • First Time Buyers

    Are you looking to buy your first home? As local Swindon mortgage advisors we can guide you through the process of buying your home, take away the stress and worry of buying and discuss how much you can borrow right through to you collecting your keys and moving in.

  • Re-mortgaging*

    Re-mortgaging is where you switch the mortgage on your home to another lender.

     

    Are you coming out of a fixed rate? Is your mortgage on a high Standard Variable Rate? Or are you concerned about interest rate rises? A re-mortgage could potentially save you money on a monthly basis and take away the worry of interest rate rises.

  • Homemovers

    Are you looking to sell your home and buy somewhere bigger, or looking to downsize to a more affordable property? It is important you get the right advice before selling your property so you know your upper price limit to allow you to purchase your dream home.

     

    As a local Swindon mortgage advisor I can ensure you receive the right advice for your circumstances.

  • Home Improvements

    Are you looking to raise money from your home to carry out home improvements? Contact your local Swindon mortgage advisor to discuss the options available to release money from your home to make your dreams a reality.

  • Capital Raising

    Capital raising is where you release capital from your home for a number of different circumstances including a deposit for a Buy to Let purchase or a new car.

     

    Contact your local Swindon mortgage advisor for more information on what you can capital raise for and how much you may be able to release.

  • Debt Consolidation

    Are you struggling to pay the monthly repayments on loans and credit cards? Contact your local Swindon mortgage advisor to discuss the options available to you and to find out if releasing money from your home to pay off these debts is the right thing for you.

  • Right to Buy

    Are you a council tenant? Looking to get on the property ladder. You may be able to buy your council house at a discounted price. Contact your local Swindon mortgage advisor to find out more.

  • Help to Buy

    Shared Ownership

     

    If you can’t quite afford the mortgage on 100% of a home, Help to Buy: Shared Ownership offers you the chance to buy a share of your home (between 25% and 75% of the home’s value) and pay rent on the remaining share. Later on, you could buy bigger shares when you can afford to.

     

    You could buy a home through Help to Buy: Shared Ownership in England if:

     

    • your household earns £80,000 a year or less outside London, or your household earns £90,000 a year or less in London.
    • you are a first-time buyer, you used to own a home but can’t afford to buy one now or are an existing shared owner looking to move.

     

    With Help to Buy: Shared Ownership you can buy a newly built home or an existing one through resale programmes from housing associations. You’ll need to take out a mortgage to pay for your share of the home’s purchase price, or fund this through your savings. Shared Ownership properties are always leasehold.

     

    Help to Buy: Equity Loans

     

    Equity loans are open to both first-time buyers and home movers on new-build homes in England with a purchase price up to £600,000.

    With an equity loan:

     

    • you’ll need to contribute at least 5% of the property price as a deposit

    • the government will give you a loan for up to 20% of the price

    • you’ll need a mortgage of up to 75% to cover the rest

     

    To find out more about the schemes available, contact your local Swindon mortgage advisor, Rachel at Moveright Mortgage Consultants Limited

     

     

     

     

     

  • Buy to Let*

    A Buy to Let mortgage is where you buy a property to let out.

     

    With interest rates in Banks and Buidling Societies being so low, many people are investing their money in property to get a better return.

    To find out more about Buy to Let mortgages contact your local Swindon mortgage advisor, Rachel at Moveright Mortgage Consultants Limited

     

  • Let to Buy

    Let to Buy mortgages work in a similar way to a Buy to Let mortgage except, you are renting out your current home to buy a new property to live in.

     

    To find out more about Let to Buy mortgages contact your local Swindon mortgage advisor, Rachel at Moveright Mortgage Consultants Limited

  • 2nd Charge Mortgages

    Looking to raise money but you can’t re-mortgage? Or are you on a very low interest rate with your current lender, and they won’t lend you any more but you don’t want to re-mortgage and lose your great rate? A 2nd charge mortgage may be the answer for you.

     

    Contact your local Swindon mortgage advisor to find out more.

  • Credit Impaired Mortgages

    Do you have a bad credit rating? Missed payments, CCJs or bankruptcy? Struggling to find a high street lender to give you a mortgage.

     

    There are lenders out there who are happy to consider lending for people with adverse credit.

     

    Contact your local Swindon mortgage advisor to find out more.

  • Lifetime Mortgages

    Do you have equity tied up in your home but not the cashflow to allow you to do the things in life you want?

     

    Equity release refers to a range of products that let you access the equity (cash) tied up in your home if you are over the age of 55. You can take the money you release as a lump sum or, in several smaller amounts or as a combination of both.

     

    There are two equity release options:

     

    • Lifetime mortgage: you take out a mortgage secured on your property provided it is your main residence, while retaining ownership. You can choose to ring-fence some of the value of your property as an inheritance for your family. You can choose to make repayments or let the interest roll-up. The loan amount and any accrued interest is paid back when you die or when you move into long-term care.

     

    • Home reversion: you sell part or all of your home to a home reversion provider in return for a lump sum or regular payments. You have the right to continue living in the property until you die, rent free, but you have to agree to maintain and insure it. You can ring-fence a percentage of your property for later use, possibly for inheritance. The percentage you retain will always remain the same regardless of the change in property values, unless you decide to take further cash releases. At the end of the plan your property is sold and the sale proceeds are shared according to the remaining proportions of ownership.

     

    Equity release includes Lifetime Mortgages and Home Reversion Schemes. We can advise and arrange Lifetime Mortgages and will refer to an approved specialist for Home Reversion schemes. Contact us to find out more.

  • Equity Release

    Do you have equity tied up in your home but not the cashflow to allow you to do the things in life you want?

     

    Equity release refers to a range of products that let you access the equity (cash) tied up in your home if you are over the age of 55. You can take the money you release as a lump sum or, in several smaller amounts or as a combination of both.

     

    There are two equity release options:

     

    • Lifetime mortgage: you take out a mortgage secured on your property provided it is your main residence, while retaining ownership. You can choose to ring-fence some of the value of your property as an inheritance for your family. You can choose to make repayments or let the interest roll-up. The loan amount and any accrued interest is paid back when you die or when you move into long-term care.

     

    • Home reversion: you sell part or all of your home to a home reversion provider in return for a lump sum or regular payments. You have the right to continue living in the property until you die, rent free, but you have to agree to maintain and insure it. You can ring-fence a percentage of your property for later use, possibly for inheritance. The percentage you retain will always remain the same regardless of the change in property values, unless you decide to take further cash releases. At the end of the plan your property is sold and the sale proceeds are shared according to the remaining proportions of ownership.

     

    Equity release includes Lifetime Mortgages and Home Reversion Schemes. We can advise and arrange Lifetime Mortgages and will refer to an approved specialist for Home Reversion schemes. Contact us to find out more.

Protection

  • Life Insurance

    Do you want to provide your family and loved ones with financial help should the worst happen to you. Life insurance can ensure that in the event of your death your family and loved ones have the financial stability they need at a time like this. Contact your local Swindon advisor to find out more.

  • Critical Illness Insurance

    Critical illness cover is a form of insurance which is designed to pay out a tax-free lump sum in the event that you are diagnosed with a specified illness or medical condition during the term of the policy, therefore providing you with peace of mind that you don't have to worry about paying for things such as your mortgage or medical costs.

     

    Contact your local Swindon advisor to find out more.

  • Income Protection**

    No one likes to think that something bad will happen to them. But each year close to a million people find themselves unable to work due to a serious illness or injury. If you couldn’t work due to a serious illness, how would you manage? Could you survive on savings, or on sick pay from work? If not, you will need some other way to keep paying the bills – and you might want to consider income protection insurance.

     

    Income protection insurance is a long-term insurance policy to help you if you can’t work because you’re ill or injured.

     

    Contact your local Swindon advisor to find out more.

     

     

  • Redundancy cover**

    Ever wondered how you would pay your mortgage or keep up your loan or credit card repayments if you lost your job? There are insurance policies that might be able to help you in this situation.

     

    Contact your local Swindon advisor to find out more.

     

  • Buildings & Contents Insurance*

    There are three main home insurance policies: Buildings, Contents and combined Buildings & Contents cover. Buildings cover protects the structure, the fixtures and fittings in your home; while contents insurance covers your belongings.

     

    Buildings Insurance is compulsory if you have a mortgage, and is advisable for anyone who owns their property.

     

    Contents Insurance is advisable for anyone who owns their own home or in rented accommodation.

     

    Contact your local Swindon advisor to find out more.

     

     

  • Landlords Cover

    Also known as buy-to-let insurance, it typically includes Buildings insurance to protect against structural damage, and contents cover if you're renting out a furnished property.

     

    If you have Buy to Let properties, then contact your local Swindon advisor to review your cover to ensure you have the correct level of cover and for the right price.

     

     

  • Business Protection

    Do you run your own business? Ever wondered what would happen if one of your key employees, partners or shareholders were to become seriously ill or die? How would the business continue to run? Could you afford to keep the business running?

     

    Contact your local Swindon advisor to find out more about Business protection and how it could help you and your business if the worst was to happen.

  • Will Writing Service

    Offered via a 3rd party...

     

    Your will tells everyone what should happen to your money, possessions and property after you die (all these things together are called your ‘estate’). If you don’t leave a will, the law decides how your estate is passed on – and this may not be in line with your wishes.

     

    To ensure your estate goes to who you want to it go to, contact your local Swindon advisor who can put you in contact with a qualified will writing service.

  • Panel of Solicitors

    Offered via a 3rd party...

     

    To carry out any legal work, including a house purchase or a re-mortgage, you will need a solicitor to act for you. For access to a panel of solicitors, contact your local Swindon advisor, Rachel, at Moveright Mortgage Consultants who can provide you with a quote and instruct solicitors on your behalf.

     

     

*The Financial Conduct Authority does not regulate some of these products

**There are other providers of Payment Protection Insurance (Short-term income protection) and other products designed to protect you against loss of income.

 

For impartial information about insurance, please visit the website www.moneymadeclear.org.uk.

 

An indication of the cost of PPI/MPPI to the Consumer, expressed in format of the Monthly Cost for every £100 of Monthly Benefit as below:

Typical cost £4.84 per month for every £100 of monthly benefit. Example based on a 30 year old customer with a net income of £1500 per month and a 30 day excess on the policy.

 

IMPORTANT INFORMATION

Moveright Mortgage Consultants Limited, is an appointed representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority.

 

Moveright Mortgage Consultants Limited is registered in England and Wales with company number 8913379. Registered Office: Elizabeth House, Queen Street, Abingdon-on-Thames, Oxfordshire, OX14 3LN

 

The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK

About

Moveright Mortgage Consultants Limited are a professional and impartial Mortgage Brokerage based in Swindon with years of experience in Financial Services, specialising in Mortgages and Protection.

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Moveright Mortgage Consultants LImited Swindon
Moveright Mortgage Consultants LImited Swindon
Moveright Mortgage Consultants LImited Swindon
Moveright Mortgage Consultants LImited Swindon