Welcome to Ayrshire Financial Services Mortgage Centre
Looking for Professional Mortgage Advice, Then you’ve come to the right place.
Why?? – Spend hours looking for a mortgage when one of our friendly and professional advisers can do all the hard work for you.
As Mortgage Advisers we are able to provide personalised advice on a host of areas as follows:
Buy To Let Mortgage
Most forms of Buy-To-Let mortgage are not regulated by the Financial Conduct Authority
Lifetime Mortgage and Home Reversion Plans
EQUITY RELEASE MAY INVOLVE A LIFETIME MORTGAGE OR HOME REVERSION PLAN, TO UNDERSTAND THE FEATURES AND RISKS, ASK FOR A PERSONALISED ILLUSTRATION.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME OR PROPERTY. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. SECURING SHORT TERM DEBTS AGAINST YOUR HOME COULD INCREASE THE TERM OVER WHICH THEY ARE PAID AND THEREFORE INCREASE THE OVERALL AMOUNT PAYABLE. YOU MAY HAVE TO PAY AN EARLY REPAYMENT CHARGE TO YOUR EXISTING LENDER IF YOU REMORTGAGE.
A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Getting the right advice means speaking to the right people.
We will compare thousands of mortgages from the whole market (rather than just a few lenders) to find the most competitive and appropriate product for you, ensuring your monthly mortgage repayments are kept to a minimum.
Many people think an Mortgage Adviser is only for the wealthy but this is not the case. Our services are open to everyone.
We have a wealth of experience and support behind us. We concentrate on the suitability, risk and strength of new and existing financial products and providers. We hold professional indemnity insurance and are registered under the Consumer Credit Act and Data Protection Act and hold the appropriate licences.
We adhere to strict Financial Conduct Authority (FCA) guidelines, which obligates us to provide advice most suited to your personal requirements, affordability and your risk profile.
We are also Credit Brokers. This means that if you require a loan other than a mortgage, (whether secured or unsecured, e.g. a personal loan) we can refer you to a specialist third party who can discuss your specific needs with you. We will not advise you of this type of borrowing and you will need to make up your own mind whether to go ahead with it or not.
For mortgages, we can be paid by commission, a fee, or a combination of both. Our typical fee is £500
For equity release products, we can be paid by commission, a fee or a combination of both. Our typical fee is £750
To contact us either phone the office or e mail our enquiry form to us and one of our specialist advisers will contact you to discuss your requirements and arrange a suitable appointment