Mortgage Basics

It is a economic reality that most people who buy their own home (or investment properties) will need a mortgage to do so. Our job is to select the most appropriate one for you and to make the arranging of the loan as painless as possible. The bewildering choice of lenders and schemes makes the monitoring of the market a full time job which we undertake to do constantly on your behalf.

We work on the principle that to have no mortgage is better than having a mortgage and we will aim, over the years, to make that objective a reality for you as soon as possible.

It is often quoted that a mortgage is likely to be your biggest financial commitment so it is imperative that you understand as much about the market conditions and the economic outlook at the time that you make the decision to take on, or extend your mortgage debt.

Bear in mind that between the advisers here at TMM we have probably arranged over40,000 loans in our careers so we do have real experience to call on, from all points in the economic cycle.

On average homebuyers move about 3-4 times in their life and therefore have a minimum of 3-4 mortgage product decisions to make in a life time. Our wealth of experience represents over 10000 home-buying lifetimes so there is practically no lending scenario you can think up that we have not already addressed.

So whether you are employed on a basic salary, in receipt of significant bonuses, commissions, or other non-cash benefits or you are Self Employed and have a complex combination of income, or if you have several jobs, or income from several tax regimes as you work elsewhere in the world – we can help you achieve the most suitable mortgage solution.