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.
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.
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.
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.
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.
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.
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.
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.
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.