Mortgage Concepts Associates. Innovative & Independent Mortgage Advice. Guide to Mortgage Services

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1 Mortgage Concepts Associates Innovative & Independent Mortgage Advice Guide to Mortgage Services

2 Mortgage Concepts Associates offer independent and innovative solutions to all of your mortgage requirements. Our experienced mortgage specialists are well placed to provide you with the most suitable advice for your own circumstances. Specialists in all types of Mortgages Purchase Re-mortgage Offset & current account mortgage Self-Certification Buy to Let * Lifetime Mortgage Managed Foreign Currency Loan Secured second charge * Commercial Mortgage and development Finance * Loans to SIPPS and SSAS * Foreign Property Mortgage Concepts Associates home. Your home may be repossessed if you do not keep up repayments on your mortgage.

3 Mortgage Facilities Purchase We can arrange mortgages through all the lenders available to us at the most competitive rates. We have access to over 10,000 mortgage schemes including fixed, tracker, discount and offset mortgages. Re-mortgage There are a number of reasons why people re-mortgage including: Improve your rate House extensions Debt consolidation 2nd property purchase In many cases the lender will pay some or all of the costs involved such as valuation and arrangement fees and solicitor costs. Offset and Current Account mortgages An offset mortgage uses any savings you have to offset the interest charged to your mortgage on a daily basis. This is an excellent way of making your savings work for you as you effectively receive interest on your savings at the mortgage rate. A current account mortgage secures your main mortgage, current account, and credit card against your property and all your money including your mortgage is run as one account. Self-Certification Specifically for clients who cannot necessarily confirm their income or who have multiple income sources. This is mostly relevant to the self-employed Buy to Let * More and more people are now looking to property as part of their pension. Using a buy to let mortgage is the simplest way of acquiring a property portfolio. Generally buy to let lending is based on the rental that the property will achieve and you will need to have 15 25% as a deposit. home. Your home may be repossessed if you do not keep up repayments on your mortgage.

4 Lifetime Mortgage Becoming much more relevant now with the population living longer, this a way for people over 60 to release a lump sum or have a regular monthly income from the equity in their property that does not involve selling part of it. Lifetime mortgages do not have a monthly payment as the interest is rolled up into the mortgage. The recent increases in house prices now makes lifetime mortgages an integral part of many inheritance tax planning strategies. Managed Foreign Currency Loan A multi-currency loan that is managed on your behalf with the objective of achieving a reduction in the debt and an interest rate saving over time. Substantial reductions in your loan can be made when compared to a standard mortgage but these schemes are not without risk and should be fully understood before proceeding. Secured Second Charge * As an alternative to re-mortgaging, a second charge can be an effective and easy way of raising capital quickly. Most reasons are acceptable and rates are usually competitive and lending policies flexible. Commercial Mortgage * Mortgages and re-mortgages of commercial property through major high street banks and lenders and through our corporate finance contacts Re-financing to reduce costs, business expansion and acquisitions. Property development finance is available for new build, refurbishment and purchase of property portfolios. home. Your home may be repossessed if you do not keep up repayments on your mortgage.

5 Loans to SIPPS and SSAS * Loans are available that allow you to purchase commercial property into your pension scheme. Foreign Property You may be considering buying a property abroad for your own use or for rental. Mortgages can be arranged on your property in the UK, in Euros against your UK property or on the property abroad in Euros or in the local currency. Properties in the US, old Europe, new Europe, South Africa, the Caribbean and other areas can be considered. Mortgage Management As part of our service we actively manage all your residential and commercial mortgages so you should never have to revert to a lender s standard variable rate. We normally begin to review your mortgage arrangements at least three months before the end of your scheme to see if any savings can be made. Mortgages that are on a tracker or flexible rate are reviewed annually. We aim to ensure that you always have the most suitable mortgage for your circumstances at that time. Professional Services We offer a range of complementary services from our professional partners. Fixed price conveyancing Structural surveys Accounting and tax services Ensure the mortgage is repaid in the event of death or critical illness Regular pension and investment reviews Inheritance tax planning. home. Your home may be repossessed if you do not keep up repayments on your mortgage.

6 Mortgage Concepts Associates T F Newlands House 40 Berners Street London W1T 3NA Mortgage Concepts Associates Limited is an appointed representative of 2020 Financial Services Limited which is authorised and regulated by the Financial Services Authority. Registered in England & Wales no * Not all mortgage contract are regulated by the Financial Services Authority home. Your home may be repossessed if you do not keep up repayments on your mortgage. Lifetime Mortgages This is a lifetime mortgage. To understand the features and risks, ask for a personalised illustration

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