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Entries close 31 March 2021.
Mortgages come in all shapes and sizes – and sometimes your needs dictate specialist mortgage advice. If you’re looking to commence a self-build home project, release equity from your home, seeking high value lending or a commercial mortgage, the experts at FOCUS can help.
The mortgage options for self-build projects can include land purchases and properties of non-standard construction. We will provide assistance with all aspects of the self-build process including liaising with solicitors, advising on insurance options as well as finding the right mortgage solution for your needs.
Equity Release (Lifetime Mortgages)
Equity release can allow you to unlock the value of your property and turn it into a cash lump sum. If your aged 55 or over, you’re able to release money from your home. The funds can be used for whatever you like – home improvements, boost your retirement income, travel or as a gift to family members.
Equity release mortgages are different to standard mortgage products as they can affect your ability to claim certain benefits and how you are treated for tax in certain circumstances. It may also affect what you intend to pass on as inheritance. We recommend you seek independent legal advice to fully understand any impact on your estate.
FOCUS has access not only to market leading rates for equity release mortgages, but access to the nation’s largest equity release packager. This means that we can guide you and your family through the process as well as provide vital support to our clients including face to face meetings, liaising with family solicitors or simply being available to answer questions and provide all the information that is needed.
A lifetime mortgage is a loan secured against your home. To understand the features and risks, ask for a personalised illustration.
High value lending
With rising property prices, it’s not uncommon to be seeking borrowing in excess of £1million. However, most UK high street lenders only offer mortgages up to this level with just a few lending up to £2million.
Whether you’re looking at a commercial purchase or a high value home, you need a specialist mortgage broker you can trust to find the most suitable solution to your borrowing needs as well as providing a confidential, discreet service. FOCUS offers a complete mortgage service, including protection and insurance advice, and has access to high value mortgage deals via a panel of specialist lenders and private banks, as well as options that may be available from the high street banks.
When you’re looking for a commercial mortgage, you need a mortgage broker that has access to this specialist area of lending. Whether your proposed purchase is for an office building, factory, warehouse, shop, restaurant, leisure facilities or agricultural property, our expert mortgage advisers will work with you to find the most appropriate solution for your needs.
A mortgage is a loan secured against your property. Your property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Mortgage deals may not be available and lending is subject to individual circumstances and status
FOCUS can offer a range of options when it comes to specialist lending. If you’re considering a commercial property purchase, want to find out more about equity release, seeking high value lending or looking to build your own home, talk to us.