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Christmas is a time of family. A time of sitting around the tree and sharing gifts; of carving turkeys, pulling crackers and cracking jokes. Of sinking into the comfort of your own home with the people you love the most.
There is no time of the year, therefore, when the value of a home is more apparent.
But a home is more than just the venue of our Christmas festivities: it provides us with a space to build a family. It is our sanctuary, the place to which we return to recover from the demands of life. It is the setting of our most cherished memories, our centre of gravity – the very focal point of our lives.
Here at Private Finance we understand both the monetary and emotional value of a home, and we strive tirelessly to ensure that our clients have access to the types of finance necessary to achieve their house-buying ambitions.
Many people survey the property market with the modest ambition of securing a mortgage and buying a home. They have saved up a deposit and are earning enough income to expect to be offered a mortgage without much difficulty. What they quite frequently find, however, is that the mainstream mortgage market is unable to provide them with the loan they require. This is often not because they are unfit for the loan, but simply because the lending assessments of the mainstream lenders are insufficiently sophisticated to incorporate the full complexity of the applicant’s circumstances. If, for example, a borrower is a contractor or a company director, or if they have a slightly atypical income profile, possibly with multiple income streams or a commission-based pay structure, they may find themselves unable to secure a loan for the required amount with the mainstream lenders. Moreover, if the property they’re looking to purchase is abnormal in some way – perhaps it comes with more than ten acres of land or it has an annex – they may find that many lenders are unwilling to lend on the property.
But there are hundreds of lenders on the market, all with different criteria and preferences with regards to the types of borrowers to whom they are willing to lend. With sufficient knowledge of the market, therefore, it is often possible to find a lender who is willing to accommodate almost every kind of borrower – provided, that is, that the borrower can actually afford the loan.
Here at Private Finance we have strong working relationships with a huge range of banks and building societies and are therefore frequently able to arrange mortgages for our clients that they would not have been able to arrange for themselves. Moreover, with experience negotiating billions of pounds worth of property finance, we are well acquainted with the potential pitfalls presented by the property-buying process and aim to insulate our clients from all such complications, ensuring that the whole mortgage experience is as smooth and hassle-free as possible.
Property is the single largest investment most of us will ever make, but a home is far more than just a financial asset: it is the cornerstone of a happy life.
If you would like to speak to one of our mortgage experts, you can get in touch by calling us on 02073172820 or by emailing us at email@example.com.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE