Mortgages

Whether you are seeking guidance and advice on residential, commercial, or even overseas lending, Westminster Wealth Management’s fully independent mortgage team are fantastically placed to steer you through this increasingly complex market.

The landscape for lending has undergone a paradigm shift since 2008, with far stricter criteria being applied to the significantly lower amount of funding available. In this ever-changing lending environment, it is vital to our service proposition that we manage our clients’ expectations effectively, and while we will often utilise our strong relationships with market lenders and private banks for the most complicated scenarios, you can rest assured we will be forthright if the deal you are seeking may not be arranged in a compliant manner. Our core professional clients take particular comfort from this particular stance.

Once we have established your exact financial position, rate sensitivity and goals, we will access the most suitable and compelling arrangements from the whole market. Then, following our initial recommendation, we will manage the whole process for you, making the application on your behalf and liaising with all third parties until your lending has fully completed.

At Westminster Wealth, we are proud of our broad range of clientèle, including private individuals, developers, property investors and expatriates/foreign nationals. A significant percentage of our work is referred to us by other IFAs who do not offer mortgages to their clients, and wish for them to benefit from our expertise and ethical dealings.

We can help with all lending requirements including:

Our payment options include our standard fee of £395 and a commission payable from the mortgage lender. We also offer a fee option of 1% of the mortgage loan or a pre-agreed fee commensurate with the work expected to be involved. For example, for a loan of £100,000, we would charge £1,000. Under the fee option, any commission paid from a lender is refunded to the client.

Your home will be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate some Buy to Lets, commercial loans and overseas mortgages.
In respect of overseas mortgages, changes in the exchange rate may increase the sterling equivalent of your debt.