Mortgage Advice

Get expert advice and guidance on mortgages…

Providing personal, tailored advice for all your mortgage needs

Your mortgage could easily be your single largest financial commitment so it is essential you make the best choice. Few home buyers have access to the full range of products and options, or are familiar with the intricate technicalities of certain mortgages.

Arranging your mortgage yourself on the basis of interest rates alone can leave you exposed to many hidden charges that only emerge when it is too late to change your mind. Instead, we can help you to reach the right decision, based on your unique circumstances.

Our team of mortgage specialists has been providing tailored, personal advice for many years. Being independent, we assess hundreds of potential mortgages before recommending the best for you. We go beyond the headline rate to consider all aspects of the product. We don’t just read the small print; we understand it.

We are also experienced in helping landlords with buy-to-let and investment mortgages and in arranging mortgages for holiday homes or second properties.

Our specialists will deal with the paperwork and liaise with lenders on your behalf. We know who to contact and how to find them quickly when speed is essential in securing the property you want.

We are always in your corner, and will happily deal with matters such as handling solicitors or estate agents requests, all on your behalf.

We are committed to ensure you experience a smooth process with a high-quality service, all from an advisor that you can trust.

I Need Advice

Moving Home

If you are looking to move home, not only do you have to think about the property you are buying, but in many cases you will need to sell a property at the same time. This can be a very stressful experience as you will also need to think about all the costs involved such as lender fees, estate agent fees, legal fees and stamp duty. We can help you through this process by working out your budget going forward, breaking down your costs to sell and buy, and establish how much you can borrow to buy your new dream home.

With our access to the whole mortgage market, including exclusive mortgage rates, we will find the best mortgage to suit your needs.

We will:

  • Find the best deal for your needs, whether you’re upsizing, downsizing or relocating, we have access to the whole of the market of mortgage lenders
  • Identify the most beneficial terms, considering fixed or variable rates and product periods.
  • Deal with all matters on your behalf
A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
I Need Advice

Remortgage

The process of remortgaging is simply arranging a new mortgage on a property that you already own. As most mortgage deals offered by lenders include an initial deal (i.e fixed or tracker) that after a defined period of time reverts to a higher variable rate, and this may be the motivation for remortgaging simply to obtain a new mortgage deal to ensure that your payments are kept at an affordable level.

Additionally, remortgaging can also provide the perfect opportunity to make changes to your mortgage arrangements such as;

  • Raising funds (to carry out home improvements, purchase another property, purchase a car)
  • Consolidate debts to reduce the financial burden of payments each month
  • Changing your term (to meet your budget and keep your payments affordable)
  • Adding or removing a party to the mortgage
  • Replace your current interest rate if you are within 6 months of your current deal coming to an end
A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
I Need Advice

First Time Buyers

As a first time buyer, the range of options available can be daunting, therefore we understand that it is vital to consult with professionals you can trust. Our experienced advisors have been helping first time buyers take their first steps on to the property ladder since our doors first opened.

Typically, first time buyers will have a relatively small deposit towards their mortgage, however there are mortgages and government-backed initiatives, such as Shared Ownership or Help To Buy schemes which allow you to get a mortgage with as little as 5 percent deposit.

We will help you:

  • Understand the costs of buying your first home
    • what deposit you will need
    • how much you can borrow
    • how much your mortgage payments will be
    • how much stamp duty you will pay
  • Arrange free valuations
  • Find the most beneficial terms, e.g. some lenders offer cash back
A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
I Need Advice

Buy to Let

Years ago it was much more difficult to get a Buy To Let mortgage than it is today, as they are now centred on investment properties rather than personal residences. As the market has evolved, these types of mortgages are now virtually a standard offering from high street banks and building societies. With an experiences mortgage advisor to guide you through the process, it can be easier than ever to get a Buy To Let mortgage.

Buying a property to rent out is now quite an attractive prospect and can pay great dividends in the long term. As such, whether you are a first-time landlord, a portfolio property owner or someone looking to let out a Home in Multiple Occupation (HMO), it’s likely that lenders will have a mortgage product to suit your needs. However, finding exactly the right mortgage can be a challenge, and getting the correct advice can be as important as finding the best property.

Interest rates and fees on a Buy to Let mortgage differ from those for a standard residential mortgage, as do the criteria lenders use to determine if and how much buyers can borrow. This is usually based on the buyer’s circumstances and what the lender determines will be the income generated by the property–local market rental rate.

Anyone who has a buy to let mortgage where their initial fixed or tracker rate has come to an end could achieve significant reductions in their monthly mortgage payments by finding a new deal. This could be with an existing lender (rate switch) or with a new lender (buy to let re-mortgage).

We can:

  • Check your eligibility
  • Compare deals
  • Help investors considering Limited Company Buy to Let
  • Help with Houses of Multiple Occupancy (HMO) rental / Multi-Let
A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
I Need Advice

Looking for expert financial advice?

Contact us today for advice and guidance from our team of mortgage specialists.

Let's Talk

A few good words…

See what our amazing customers have to say about our services.

I have been really pleased with everything the Mortgage team has done for me – I will definitely recommend you to friends and family

MortgageDefinitely recommend

I wanted to express my gratitude towards you and your team for your expert advice regarding my remortgage. You were all utterly professional at a time where I was let down by others.

Remortgage AdviceUtterly Professional

Thank you very much for the work on my mortgage. It's been a super smooth process and a world of difference compared to the pain of last year, your fee was worth every penny! BIG thanks

MortgageSmooth Process

We were very apprehensive about getting onto the property ladder as I felt like our situation hindered us in regards to our jobs and other financial matters. However, you made us feel at ease and we personally felt like you went above and beyond for us to get us our mortgage, which we can’t thank you enough for.

MortgageBuying Process

We are so grateful to the team for helping us on the right path at a time of great worry due to personal debt. We just wouldn’t have had the understanding to sort out our situation as simply as they did! They made the whole process seem straight-forward as they took all of the leg work away from us, and through consolidating our loans through our mortgage we are now on a great deal and worry free!

MortgageSo Grateful

We have turned to DWIFA Mortgage & Insurance Services for over ten years – from helping us to set up our first ever mortgage, to house moves and re-mortgaging for home renovations, and have always been really impressed with the support and genuine advice each time, and most importantly the money they have saved us!

MortgageGenuine Advice

I have had extensive dealings with David Williams IFA Mortgage & Insurance services over the last 18 months especially as the first flat that I tried to buy fell through. They have an in-depth knowledge of the mortgage market and advise in a sensible and logical fashion. They are easy to contact and fit in around your schedule. They also help to guide the sale by liaising between the estate agents and solicitors. I have been hugely impressed with their professionalism and dedication to getting issues sorted. Not just would I use them again but I would have no qualms in recommending them to friends and family

MortgagesGetting Issues Sorted

I just wanted to say “Thank You” once again for all your hard work and effort in helping to get my mortgage accepted earlier this week. I know it wasn’t easy, but thank you for your persistence and perseverance.

Mortgage AcceptancePersistence and Perseverance.

How can we help you?
Get advice and guidance

    01604 250280

    Mon to Fri 7:45am – 5:15pm

    Meet your mortgage team:

    Carly Buck

    Senior Mortgage Advisor

    Josh Evans

    Mortgage Advisor

    Annabel Smith

    Office Manager