Your home may be repossessed if you do not keep up repayments on your mortgage.

Finding the right mortgage for you is just one of several factors to consider when buying a home and as a result many people end up with a poor deal. It can also be very stressful, so knowing you have someone making sure you get the most suitable mortgage product available to suit your circumstances, on time and without fuss, will be a real weight off your mind.

Mortgage products do vary, with different interest rates, arrangement fees and maximum advances, different lenders look more favourably on certain types of property than others.

When we make a recommendation we will give you an illustration showing all the up-front and ongoing costs and fees. It will detail how much you will pay each month, how long any fixed rate will last, any early repayment charges and more importantly, an indication of how much it will cost if interest rates rise by a certain amount.


Buy to Let Mortgages

The Financial Conduct Authority do not regulate some buy to let mortgages.

Residential property can be an excellent long term investment and we can help arrange funding for your purchase. We can assist with financing an individual purchase or with a portfolio of properties.

Having access to the whole of the market and the choices it brings, means that we are able to provide the option that most suits your needs and circumstances. Buy-to-let mortgage products do vary, in terms of interest rate, arrangement fees, loan criteria and also type of property being purchased. All these factors are considered when searching for the correct solution for our clients.

We provide clear illustrations which will show in detail the costs associated with each product and any fee due to ourselves as the mortgage broker. A small up-front fee assures you of our commitment to help you find the right mortgage through comprehensive research undertaken on your behalf.



The same care and attention is available if you want to re-mortgage for any reason. Some of the most common reasons for re-mortgage are:

  1. Extending your home – it’s amazing how one day you realise you need more space. Extending rather than buying a new home can often be a very cost effective and practical option. However, the question is whether to use your existing lender or go for a new deal to get the money you need? We will work out the most appropriate route to take, leaving you to get on with planning your extension.
  2. Consolidating debts – if your monthly income is being eaten up by paying off debts it may be worth considering bringing all your debts together. If your property is worth more than your mortgage then this could be a great way to reduce your outgoings. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
  3. Reducing your costs – you might simply want to move to a loan with lower payments or better terms. As the whole of the market is available to us to consider this means that if a better deal exists, we can find it for you.

Your home may be repossessed if you do not keep up repayments on your mortgage.


Whatever you need, Palmer & Associates can find you the right deal for you and your circumstances.

For further information please call us on 01452 541679 or email us today. We are here to help you.