Those arranging a mortgage

Whether it’s your first step on the property ladder or you’re looking for a forever home where you can put down roots, moving home is an exciting time. But buying that property may also be the largest financial investment you will ever make.

We have plenty of experience when it comes to helping clients secure some of the most advantageous mortgages, best suited to their need and financial goals. We’re here to help you work out what’s right for you, secure the mortgage you need to make your dreams a reality. And just as importantly, we’ll be on hand, every step of the way on your journey, to answer your questions and advise you.

Remortgaging may save you money and is probably a lot easier than you think. If the deal on your current mortgage is coming to an end, or if your home has risen in value and you are looking to release some equity, The Orchard Practice can help. Changing your mortgage can be a beneficial way of reducing your monthly outgoings or borrowing larger sums of money by remortgaging on a lower interest rate.

Whether you want to refinance to borrow more, borrow less or re-balance your portfolio, we can help you achieve your goals in the most cost-effective way.

Being a landlord, whether it’s of one property or a portfolio of properties, can be a full-time job. We understand the need to make the finance as simple as possible for you. Buying a property to let is different from buying your own home however it can be just as stressful without experience and advice.

If you’re looking to invest in property, our significant expertise in this area will mean you gain from our technical knowledge and experience of how to get the right mortgage product to suit your needs.

Or perhaps you are considering equity release as a way of raising money to fund your plans. Your home is likely to be your biggest asset and releasing capital tied up in it can be one way to afford the things you want in life. But you will need to feel sure you’re taking the right decision as there are some big, long-lasting implications that must be considered with a lifetime mortgage. We will help you fully explore your options and place them in the context of your long-term objectives, helping you to make a decision with confidence that it is the right thing for you.

You will need to take legal advice before releasing equity from your home as Lifetime Mortgages and Home Reversion plans are not right for everyone.