Favourite%20image_edited.jpg

WILL YOU EXPLAIN ALL COSTS DURING MY APPOINTMENT?

Yes, I will explain the different costs that may be applicable, for example, lender fees, solicitors fees

Favourite%20image_edited.jpg

HOW LONG WILL MY APPOINTMENT LAST?

Our appointment will take approximately 1.5 hours, as I will be gathering information from you so that I can truly understand your circumstances and needs.

Favourite%20image_edited.jpg

WHAT CAN I EXPECT FROM OUR MEETING?

From our meeting, you can expect that I will explain all the different types of mortgages and products available. So that you fully understand your mortgage and also the whole process from applying for a mortgage to completion.

Favourite%20image_edited.jpg

ONCE IHAVE APPLIED FOR THE MORTGAGE, HOW WILL I BE KEPT INFORMED?

As a minimum, I will contact you weekly to let you know how your application is progressing. But I will also contact you as I receive updates.

Favourite%20image_edited.jpg

WHAT PAPERWORK WILL YOU NEED AND WHY?

As standard I will need Identification, eg. passport or driving licence, Proof of your address, eg. Utility bills. I will need proof of your income. However, I will let you know prior to our appointment what documents I need you to have ready for the meeting.

Favourite%20image_edited.jpg

EQUITY RELEASE:
HOW CAN I BE SURE THAT MY BENEFICIARIES WILL INHERIT A SHARE OF MY PROPERTY?

Most lenders now offer 'Inheritance Protection' where you can ensure a certain percentage of your property value will be protected by your beneficiaries. This is something I will explain in full during our meeting.

Favourite%20image_edited.jpg

EQUITY RELEASE:

CAN I HAVE A FAMILY MEMBER PRESENT AT MY APPOINTMENT?

It is a good idea if family members can be present, as this then ensures they also understand how the Equity Release will work.

Favourite%20image_edited.jpg

EQUITY RELEASE: 

CAN I RECEIVE A MONTHLY INCOME FROM MY PROPERTY?

Yes, you can. Equity Release is available as a lump sum payment or as a monthly income for a specific length of time. During our meeting I will assess which option best suits your needs and circumstances.

Favourite%20image_edited.jpg

EQUITY RELEASE:

WILL I STILL OWN MY HOME?

There are two types of Equity Release available. One is HOme Reversion where you sell part of your home to the lender. The other is a Lifetime Mortgage where yuo maintain full ownership of your home. So yes, you will still own yur home. 

Favourite%20image_edited.jpg

EQUITY RELEASE: 

WILL I HAVE TO MAKE MONTHLY PAYMENTS?

No, there are Equity Release products available where you can make monthly payments if you wish, but, you can also have a 'roll-up' mortgage, where you don't make any payments and once you either die or go into long-term care, your home is sold and the mortgage repaid. 

Blackberry Mortgage Services is an appointed representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority (FCA). Number 460421. 
Buy to Lets and Commercial Finance are not usually regulated by the FCA.
 Registered Address: 1st Floor, Princess Caroline House, 1 High Street, Southend-on-Sea. Essex. SS1 1JE

This website is aimed at UK residents.