OUR SOLUTIONS
We can provide advice and guidance on all of our solutions
By providing you with all of the information you need on our solutions, this will give you a full and complete picture of your financial options so you can make a choice that suits you for your future
Mortgages
The mortgage market is a complex area. At any one time there may be many hundreds of different mortgage options, only some of which will meet your needs.
- First Time Buyers
- Moving Home
- Re Mortgages
- Buy to Let
Mortgage planning can often be confusing and understanding the fine print needs a trained and qualified eye. You can depend on the experienced and certified mortgage advice from Housemartin Mortgages to help you with expert and fully independent advice on the mortgage marketplace.
We have many years of experience in the industry and always go to great lengths to ensure that your mortgage scheme best suits your financial needs. We can offer personal and specialised solutions for re-mortgaging issues as well. If you are looking for not just advice but a reliable adviser to help advise on your new mortgage, from start-to-finish, then you're in the right place!
Our fees and charges vary depending on the services we provide to you. We typically charge a fee of £350 payable upon completion but chargeable upon production of mortgage offer.
We are unable to provide you with advice on commercial mortgages. However, we can introduce you to an authorised and regulated Financial Adviser who can provide you with specialist advice.
The Financial Conduct Authority does not regulate most Buy to Let Mortgages
Your home may be repossessed if you do not keep up repayments on your mortgage.
Protection
These days, for people of working age, good health is the normal state, and few people consider what would happen if, due to ill health, their career was interrupted or even stopped.
- Life Insurance
- Critical Illness Protection
- Income Replacement Protection
- Building and Contents Insurance
- Mortgage Payment Protection Insurance
For buildings & contents insurance and mortgage payment protection insurance we offer products from a selected panel of providers.
HouseMartin Mortgages Ltd act as a credit broker not a lender for Buildings & Contents insurance
Retirement Interest Only Mortgages
With no set end date, RIO is a flexible option which can be used to meet a wide range of later life needs. That might include, for example:
- Getting round to those home improvements you’ve been putting off
- Giving your children or grandchildren a helping hand on to the property ladder
- Enhancing your income to support your lifestyle in retirement
You’ll need to make monthly payments for the life of the mortgage, which will consist only of interest on the total amount you’ve borrowed. We’ll assess your ability to do this based on your current income and future income in retirement.
The balance will then be paid back when you experience what’s referred to as a ‘life event’, such as:
- Death
- Moving into long-term care
- Using another property as your main residential home
- Sale of the property, without transferring the loan
Where are joint borrowers, this will be triggered by the surviving borrower or last borrower living in the home experiencing the life event.