Mortgages

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

A fee of up to 1% of the loan amount or facility may be charged, and payable on offer of your mortgage. For example, on a loan of £100,000 the maximum fee payable would be £1,000. We may also receive commission from the lender.

At TWP Wealth Management we fit the scheme to the person. Not the other way round. After all, different people have different attitudes to money.

So if you're concerned about interest rate rises we may suggest a fixed rate. It won't always match a discounted variable rate for value, but it will provide peace of mind. For someone less risk averse there are other options such as tracker schemes.

However, rate isn't everything. Low monthly payments are desirable but not if the provider is inefficient or neglectful, if there are onerous early redemption charges, large arrangement fees or being able to move the mortgage across if you move house.

Nor does our role stop at finding a lender. We guide each application right through to completion and stay with you all the way.

For many of us, buying a home is the first time we need financial advice and our mortgage is likely to remain our biggest financial commitment for many years to come.

When making such an important decision, it's sensible to have a clear understanding of all the lending options, whether that results in cheaper monthly payments, a shorter mortgage term or perhaps the ability to afford your next property.

Through TWP Wealth Management, and our membership of Intrinsic Financial Services, you will have access to more than 80 lenders, many of which offer exclusive deals you won't be able to find on the high street.

Our main panel of lenders for residential property includes all the big names, such as Abbey, Halifax, Nationwide and the Royal Bank of Scotland.

For those interested in buy to let, we also have lenders with specific products for this market and we can advise you on all aspects of building a property portfolio.

Once you have bought your home, it's just as important to protect yourself and your family from any financial risk in the future. Our advisers can help you to decide the right levels of insurance, and the types of cover most appropriate for you. We can also introduce you to our partners who will take care of your move and the utilities you need when you move in.

Our advisers can also help you buy abroad, or if you live abroad, buy in the UK.

Help your children get onto the housing ladder

You raise them, watch them grow up and would do anything to try to give them the opportunities you never had. But should that extend to giving your kids a leg-up onto the housing ladder?