fisherandcoifa.co.uk

Fisher & Co Financial Services Ltd is an independent mortgage advisory service offering mortgage facilities to Citizens and Foreign Nationals, residing permanently in the UK, for the purchase of properties in England, Wales, Scotland and Europe.

With Fisher & Co Financial Services Ltd you can tap into over 20 years of experience to find your ideal mortgage. Get an unbiased appraisal and opinion of your situation and then relax as your mortgage application is project managed from start to finish.

Buying a New home

Take the stress and strain out of the finances. Let our professional team liaise with your solicitor, vendor, valuer and mortgage provider to get the best deal for you.

Remortgaging

A rethink on your mortgage position can help you bring about a lifestyle change. Let us
help you realise your goals.

Buying a Second Home

With so many competitive options be sure that you get the right one. Let us deal with the
providers and avoid the obvious pitfalls. Save time and save money.

Buying to Let / Letting to Buy

You know the ropes, but do you have the time to project manage the finances? We can take on the task, so you can plan ahead for your tenants.

Home Improvements

You’re happy with your location but need space to expand into. You have the opportunity to reappraise your whole financial position and possibly save money too.

There are three levels of service which we offer:

1. Advice and Recommendation on which mortgage product is most suitable for you.
2. Information on the different types of mortgage products on offer, so that you can make an informed choice of which to take.
3. Information on a single product only, if only one mortgage is available or if you have already made up your mind.

Confidentiality

Any information that we receive from you will be treated in the strictest confidence under the requirements of the Data Protection Legislation and you will have the right of access to any information held.

Mortgage Products

Some of the mortgages that are currently available in the market are:

1. Fixed
2. Capped
3. Variable
4. Discounted
5. Offset
6. Libor

1. Fixed Rate is where a rate of interest is charged and is guaranteed not to change over the period of the fixed term, i.e. 2, 3, 4 or 5 years.

2. Capped Rate, this is where a rate of interest is given and guarantees not to go above that rate during the period of the capped term, but if interest rates reduce below this level then the building society can reduce the rate down only.

3. Variable Rate is the standard market rate that the building societies offer and this has no normal period of time, and payments will go up and down with the market changes.

4. Discounted Rate, this is where the building society offers a percentage discount off the normal market variable rate for a period of time but if interest rates go up or down as the normal market variable rate, then your rate would change in line with the normal market variable rate.

5. Offset, this is where the amount of money on your current account balance is “offset” (taken off) your mortgage balance on a daily basis and interest is calculated on the remaining balance.

6. Libor, stands for London Inter Bank Offer Rate, this is a specialist market self employed and normally used for commercial mortgages now days.

Within these facilities there are many more options available and if you are looking for a great value mortgage then please complete the enquiry form and we will reply within 24 hours with a selection of rates and products available throughout the market.

Your home may be repossessed if you do not keep up repayments on your mortgage.

The financial Services Authority does not regulate taxation and trust advice and some aspects of Buy to Let arrangements.