To ensure we offer a comprehensive and knowledgeable service we have a long term relationship with Keystone Wealth Management whose prime focus is built around wealth management and customer service ensuring clients are kept fully informed of all matters that are relevant to them.
Richard Mullan is Keystone’s dedicated advisor exclusively working with Eastons and is a highly qualified professional, able to provide recommendations on everything from buying your own home to retirement and investment planning and a whole range of corporate services.
Rather than having to go through the motions of contacting as many high street banks as possible and taking up hours of your time, we have access to thousands of mortgage products from the mortgage market, instantaneously, with many of these mortgage products being exclusive rates only available to you, through us as members of the Intrinsic network. We have established lender relationships which benefit our clients through priority processing and direct access to dedicated underwriters for pre submission case queries and processing. Our advisers have an in-depth and up to date knowledge of the different lenders’ criteria which is imperative as different lenders calculate how much a client can borrow in different ways. It is this variance in lending criteria which our advisers are experts in navigating lenders affordability calculators, credit scoring and income multiples and therefore the amount of loan offered can vary considerably between lenders. Our knowledge and contacts allow us to approach the most relevant lender for your circumstances avoiding multiple credit scoring by different lenders, which can have a negative effect on your credit score and ability to borrow. All of these benefits assist in facilitating and quickening the process through to completion.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Whether you are a first time buyer or moving property, we start with a full appraisal of your situation: what you want, what you can afford and what you can borrow, based on your income and attitude to risk, and fully inform you of the mortgage process based on your existing knowledge. Then we’ll find a suitable product. Our advanced Mortgage sourcing system is updated daily, so our advisers always know the latest deals from the biggest, most reputable lenders.
Even if you already have a mortgage offer, we will check the market to ensure it is still the most suitable.
We make the application to the lender and maintain contact with them right through the process. We also liaise closely with lenders, solicitors, surveyors and estate agents, making any interventions necessary to avoid problems at completion.
We will continue to monitor your situation and contact you after a couple of years, and certainly when you are looking to remortgage, to give you the best advice possible. The mortgage market changes constantly, as do your circumstances. Perhaps you no longer have an issue with proving income, for example. Whatever your situation we'll advise you on your best option.
Let’s say your initial mortgage benefit period comes to an end and suddenly an extra £400 is exiting your account every month. What should you do? Quite often, people will stay with the same bank for years, without realising by remortgaging at the right moments, could save them tens of thousands of pounds over the course of their mortgage term.
At Keystone Wealth Management Ltd we believe re-mortgaging means more than finding a better rate. It means considering your next few years and assessing the best course of action. You may wish to repay your mortgage more quickly, have the flexibility to make overpayments, draw down additional funds for home improvements or to purchase an additional property, consolidate debts you have accrued or extend the mortgage term to make your monthly payments more affordable.
For example, why move to a lower monthly rate if the penalty incurred takes years to repay based on the amounts saved each month. Especially if you’re planning to move again shortly.
We analyse the total cost of re-mortgaging: how long it takes to recover the cost and which mortgage deal provides the best option overall. Sometimes that means doing nothing.
Our advisers will inform you of any new schemes we feel may benefit you during the lifetime of your mortgage.