Residence Mortgages & Financial Services

Residence Mortgages & Financial Services is a family-run business with over 20 years of banking and finance expertise. We are dedicated to providing tailored advice to our clients on a wide range of financial matters. Our goal is to work with you and on your behalf to ensure that you have the appropriate product or service at the right price. We understand that financial decisions can be daunting, and that is why we are committed to providing a helping hand to ensure that the choice you make is the right one.

Our success has been built on a combination of factors including integrity, quality of service, attention to detail, and ultimately, customer satisfaction. We believe it is important that we get to know our clients well, and they us, enabling the establishment of a trusted relationship that creates understanding and allows us to provide a service that is both personal and effective.

Our Services

At Residence Mortgages & Financial Services, we offer a range of services designed to meet the diverse financial needs of our clients. These services include:

Mortgages

Your mortgage is probably the largest transaction and financial commitment you are likely to undertake. With the large variety of mortgage products available in the UK, the choice is confusing, if not overwhelming. Our experienced advisors look beyond the headline interest rate and compare the true cost by taking arrangement fees and other charges into account. We will assess your aims and objectives to find an appropriate product that best meets your needs.

Purchase

If you are a first-time buyer, we can provide you with solutions on how to get onto that elusive property ladder. We can discuss your affordability to make sure you are not overextending yourself and select products and terms which are first-time buyer friendly. We can be creative and think outside of the box. These days it is not unusual for parents to provide more help financially. Pooling resources can often be the leg up that makes it all happen.

Re-Mortgage

Many homeowners are content to remain with the same lender year after year. Although they may have initially had an attractive special rate deal, they failed to review it when it ended and now pay their lenders standard variable rate (SVR). Even though SVR has reduced considerably in the last few years, this may not be the most suitable product to meet your needs. What if you want to borrow additional funds? What will you do when rates start to increase? At Residence MFS, we offer a free initial financial health check, where we will work with you, completing a full budget planner to help ensure that you have the right products in place to meet your needs. You may have to pay an early repayment charge to your existing lender if you remortgage.

Investment Property

Are you an existing landlord? Are you looking to rent out your home? Or perhaps you are interested in investing in the property market? If this applies to you, it is likely you will need a Buy to Let mortgage. Whether you have one investment property or a portfolio, we are able to analyse your Investment Property Mortgage and make sure it is still the most appropriate for your needs. Maybe your product has come to the end of that special rate or you want to unlock some equity to make a future purchase. Most forms of Buy To Let mortgages are not regulated by the Financial Conduct Authority. Your property may be repossessed if you do not keep up repayments on your mortgage.

Insurance and Protection

We understand that insurance and protection are essential to provide financial security for you and your loved ones. That is why we offer a range of insurance and protection products designed to meet your needs. Whether you are looking for life insurance, critical illness cover, income protection, or building and contents insurance, we can help.

In conclusion, Residence Mortgages & Financial Services is a trusted provider of financial services. We offer tailored advice on a wide range of financial matters, including mortgages, insurance, and protection. Our experienced advisors go beyond the headline interest rate to compare the true cost, ensuring that you have the right product that best meets your needs. Contact us today and let us help you make the right financial decisions.