A mortgage is amongst one of the biggest financial commitments you will make in your lifetime and therefore it is important to seek professional mortgage advice.
Mortgages are complex and time consuming but here at A.R.D. Consultancy our expert advisers can provide independent mortgage advice based on your own specific needs. We aim to make the whole process easy and straight-forward for you whilst ensuring professionalism, a high-quality service and expert advice at all times.
At A.R.D. Consultancy we help work out what mortgage suits your income. As independent advisers, we have a wide range of lenders and products to choose from, when seeking the mortgage that is right for you.
We will explain your best options, whether you might consider a repayment mortgage, an interest-only mortgage and if you would be better with a fixed-rate or variable rate deal.
Whether you are a first time buyer, a home mover or looking to buy to let, we can provide mortgage advice tailored to you. Our mortgage advisers continually monitor mortgage rates as well as the terms and conditions of high street and specialist lenders on behalf of our clients, to enable us to recommend the most effective mortgages.
We are not tied to any particular lender, which means that we have the ability to act on your behalf in order to establish the most appropriate mortgage solution for you.
At A.R.D. Consultancy our expert advisers can help every step of the way with a mortgage. Due to the complicated nature of a mortgage, there is often an arrangement fee which we charge our clients. Prices depend on each individual client and their circumstances but we have an average guide price of £495.00 for residential mortgages.
First Time Buyers
Buying your first home is an exciting but daunting experience. Our advisers take you through the full buying process from inquiry through to getting your keys, and any needs you have thereafter. Your own dedicated mortgage adviser is only a phone call away.
In very simple terms, remortgaging is moving from one mortgage lender to another in order to improve an individual’s financial situation.
We tailor our advice to suit your individual needs. Whether you are looking to cut your mortgage term, borrow extra money or reduce your monthly payments, we can help.
A secured loan is useful should you wish to raise additional funds but do not wish to move away from your current mortgage deal either because you have a good rate of interest or penalties for moving lender. The loan is attached to your property by way of a second charge which means that the rate of interest charged is usually less than a personal loan. We have access to a range of secured loan providers for your benefit.
We compare mortgages to make sure we are getting you the best deal. It is easy to be misled by deals with low interest rates but these often come with different conditions or charges which could be very costly in the long term.
If you are looking to sell your property in Falkirk, Stirling, Glasgow or the surrounding areas, we have a number of local estate agents that we are happy to recommend.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Buy To Let
Our mortgage brokers can also advise on buy to let mortgages.
Buy-to-let property can sometimes be an effective form of investment, however its nature means that prospective landlords would be well advised to take the time to ensure that they thoroughly understand what is involved before they decide whether or not it is right for them, especially as a result of the recent tax changes.
If you fail to keep up with payments on your mortgage a “receiver of rent” may be appointed and/or your rental property may be repossessed.
Contact Us Today
If you require expert mortgage advice from our team of professionals, contact us today. Our advisers will happily provide all the help and support you need to ensure you choose a mortgage which is right for you.
We do the hard work, so you don’t have to.