H
D Consultants is an Independent
Mortgage Adviser firm, with access
to PTFS's 'whole of market' mortgage
proposition. Our terms of
business (Initial Disclosure Document)
can be found here.
We are delighted to
confirm that we can provide access to
mortgages from all of
the UK lenders who operate in the
Right To Buy market, including a
number of exclusive mortgage products
not available from the lenders
direct. Overall cost for
comparison is 7.9%. Actual rate
available will depend on your
circumstances. Please ask for a
personalised illustration. Rate
correct as of 18/11/2005.
THERE
WILL BE A FEE FOR MORTGAGE ADVICE. THE
PRECISE AMOUNT WILL DEPEND UPON YOUR
CIRCUMSTANCES BUT WE ESTIMATE IT TO BE
£500 ON A TYPICAL £50,000 MORTGAGE
AMOUNT. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
For
a no obligation quote, call us now on
0870 2000 900.
The
Office of The Deputy Prime Minister
publishes a number of useful booklets
about the Right To Buy scheme and one
such publication 'Your Right to Buy
Your Home (28 pages) can be downloaded
here
(this is an Adobe Acrobat file and you
may need to download the appropriate
reader using the link below.
If
you have been a council tenant
or housing association tenant
for two years or more you
probably have the right to buy
your home at a discount of
anything up to 70%.
To
obtain an independent mortgage quote
from one of our experienced and
qualified advisers,
please contact our authorised mortgage
consultantshere.
You may
have trouble getting a mortgage
from the High Street banks and
building societies, but we have
access to a wide range of
specialist lenders who should be
able to help you. The amount of
discount you are entitled to
depends on how long you have
lived in your home, and whether
you live in a house or a
flat/maisonette. Check the table
below for details to find out
exactly how much you can expect
to pay for your home.
Qualifying
period
Percentage
Discount
Houses
Flats/Maisonettes
2
years
32%
44%
5
years
35%
50%
10
years
40%
60%
15
years
45%
70%
20
years
50%
70%
25
years
55%
70%
30
years or more
60%
70%
These
percentages are subject to
maximum values which vary
depending on which part of the
country you live in. For more
details from The Office of The
Deputy Prime Minister, please click here.
Rent
to Mortgage;
Not
everybody can afford to buy
their home outright, even at a
discount. The Rent to
Mortgage scheme is an
alternative to Right to Buy
and enables you to buy your home
by paying just part of the Right
to Buy price to begin with.
You become the legal owner of
your home but your landlord
keeps a share of the property.
You will probably still need a
mortgage to buy your share, but
your monthly payments will be
lower. For more information
click here.
Your
next step.............
To
obtain an independent mortgage quote
from one of our experienced and
qualified advisers,
please contact our authorised mortgage
consultants here.
H D
Consultants is an Appointed Representative of Personal Touch Financial Services Ltd., which is authorised and regulated by the Financial
Services Authority. See the FSA site
here .
Your home
may be repossessed if you do not keep up repayments on your mortgage.
Full written details on request. All loans subject to status. Terms and Conditions
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