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Mortgage Matters

In a nutshell, Enable Independent Mortgage Team saves you time, hassle and money.

Buying a home is a major life event – getting the right support, guidance and mortgage product is key and our team are here to help you at every step.

What we do
Our independent mortgage advisers understand the market completely. They will save you time by doing the research and running around for you – having first carefully listened to your objectives and answered your questions.

Ongoing service
Also, we provide an ongoing service. We’ve helped many of our clients to find a mortgage for their first purchase and we’ve then helped them again when their fixed rate has come to an end or they have moved to a bigger property.

Let us look after you
And it’s not just finding the best available mortgage that we assist with. If you agree to proceed with the mortgage, we handle the whole application process including documentation and liaising with the lender, estate agent and solicitor.

Speak to an advisor

Professional Mortgage Solutions

Qualified Mortgage Advisers

Our team of advisers are all fully qualified with years of combined experience across the whole mortgage market and are used to working with clients with a wide range of different circumstances. From the outset you will be assigned a dedicated adviser who will be on hand throughout the process to provide help and advice when you need it.

Initial Mortgage Assessment

A fully qualified adviser from our friendly team will start the process by getting to know you and understanding your specific requirements. They will then make an initial assessment of your individual circumstances and let you know if we can arrange you a mortgage.

Whole Of Market Expert Advice

Your adviser will then work with lenders from across the whole market to obtain the most appropriate and cost-effective mortgage for your individual circumstances. They will keep you informed throughout the process and will be available for on-going support and advice as and when you need it.

Types Of Mortgages

Remortgages

Whether your existing mortgage product is coming to an end or perhaps you’re on a Tracker rate and just want to switch to a fixed rate product for some security against interest rate rises, we can help you find the right product for you. If you’re currently on your lenders Standard Variable Rate (SVR), that’s usually not a very competitive interest rate, but we can compare what you are paying versus what you could be paying – potentially making some impressive monthly savings for you.

Enable FLP are financial advisors in Bishops Stortford
Enable FLP are financial advisors in Bishops Stortford

Help to Buy Mortgages

The Government can lend First Time Buyers up to 20% (40% in London) of the purchase price of a property, with no repayments on the loan due until you sell the property, you just pay a nominal rate of interest from year 5 onwards. You can have as little as a 5% deposit to finance the purchase.

Self Employed Mortgages

Struggling to find a mortgage? Let us help you get one, whether you’re a contractor on a daily rate or self-employed with at least one year’s accounts, we have lenders that may be willing to lend to you.
Enable FLP are financial advisors in Bishops Stortford
Enable FLP are financial advisors in Bishops Stortford

Buy to Let Mortgages

Whether you’re a first-time landlord, experienced landlord or are using a Specialist Purpose Vehicle (SPV) via a limited company to increase your taxable allowances, we can help you search the whole of the market to get you the right deal. Deposits generally start at 25%, but some lenders will allow just 20%.

Equity Release

Want to stay raise money for home improvements, a new car or a world cruise but are too old for a traditional mortgage or can’t afford to make any monthly repayments? If you’re over 55 and own your home, we can help you release equity from your property without you having to move or even make any monthly repayments to the mortgage – until you move into long-term care or pass away. Let us explore your options and find you the right option.

Enable FLP are financial advisors in Bishops Stortford
Enable FLP are financial advisors in Bishops Stortford

First Time Buyers

Our advisers have got the knowledge, experience and expertise to get you on the housing ladder. We will guide you through the process every step of the way from first contact through to completion to take away the stress and worry of what could be an otherwise daunting experience for you.

Second Charge / Further Advance

If you’re tied into a fixed rate product, but still want/need more money for say home improvements for example, we can help you explore alternative options such as getting a second charge or even a further advance with your existing lender to avoid any Early Repayment Charges.
Second Charge Mortgage
Enable FLP are financial advisors in Bishops Stortford

Self Build Mortgages

A self-build mortgage is a home loan taken out on a property that you are building yourself. The main difference is that the mortgage funds will be released to you by the lender in stages as each phase of the build is completed and signed-off, rather than as a single lump sum.

Debt Consolidation

We can also help if you have a credit card, loans and or hire purchase commitments that you would prefer to consolidate into your re-mortgage to help free-up income, which could save you hundreds of pounds per month.
Enable Debt Consolidation
Shared Mortgage

Shared Ownership

This could help you get that first step on the property ladder – aimed at those who may not be able to buy a property outright or via Help to Buy. You can purchase a percentage of the property, usually between 10-75% and you pay rent on the balance, which can often work out cheaper than renting. The deposit you need may be relatively small compared to a traditional mortgage too.

Commercial Mortgages

We can help with your commercial enquiries, whether it’s purchasing a property to trade from yourself or to rent out. We have access to all the main high street lenders as well as specialist lenders. Contact us to see how we can help you.
Commercial Mortgage
Home Insurance

Relax we’ve got your home covered

Your home is likely to be the biggest investment and asset you will ever own. It is therefore important to protect it against incidents that could put it at risk.

We have access to a large panel of leading underwriters to ensure you get the right buildings and contents insurance that gives you peace of mind.

Life & Critical Illness Assurances

Purchasing a home goes far beyond selecting the perfect house in the perfect location. Protecting it, and providing security for your family, in the event of a life changing event is just as important.

Whether you need life assurance, critical illness cover or income protection the team at Enable can help to ensure you have everything in place to give you peace of mind on the day you move in and every day after.

Health Insurance

Free Consultation

Call Enable FLP today on 01279 755 950 to book your FREE consultancy and to find out how we can make your money work better for you. Alternatively, send us a message by clicking here and one of our financial experts will call you back

Meet The Team

Ian Medway

Rebecca Izod

Ellen Stone

Stephen Bailey

Tom Giles

Jane Peck

Debbie Fitchett

Ian Medway

Rebecca Izod

Ellen Stone

Stephen Bailey

Tom Giles

Jane Peck

Debbie Fitchett