Mortgage Advice

are delighted to introduce

Mortgage Advice

Smart Equity Release are both proud and delighted to introduce our mortgage customers to the prestigious Abacus Mortgage & Protection Advice Limited. Like Smart Equity Release, Abacus are also based on The Wirral and have a wealth of experience, so you can rest assured you are in very good hands.

Abacus advise on the whole of the mortgage market, so you will always be recommended the most suitable product on the market. For your peace of mind, Abacus Mortgage & Protection Advice Limited is an appointed representative of The Right Mortgage Limited which is authorised and regulated by the Financial Conduct Authority.

“When it comes to mortgages, I have seen every possible scenario. I can assure you that I will work tirelessly until the most suitable solution is found.”

Director of Abacus, Sarah Gray

Abacus Mortgage & Protection Advice Limited, 56 Hamilton Square, Birkenhead, Wirral, CH41 5AS, Tel 0151 647 2266 sarahgray@abacusmp.co.uk www.abacusmp.co.uk

First Time Buyers

Buying a house is one of the most important purchases you will ever make and buying a home for the very first time is an even more daunting prospect. We can assure you that Abacus will be with you every step of the way.  We will calculate how much you can borrow, how much everything will cost, and guide you through the entire purchasing process from start to finish.

We’ll search the whole of market to ensure the most suitable mortgage deal is recommended to you.  With access to exclusive First Time Buyer mortgages through our network The Right Mortgage Limited.

We’ll liaise with your lender, estate agent, solicitor, and surveyor, so you don’t have to worry.

Moving Home

Before you start your home buying journey, it is important to know how much you can borrow and how much you can afford to repay. It is therefore important to speak to a trusted and experienced mortgage adviser.

Moving home can be a busy and stressful time, and the one thing you shouldn’t need to worry about is your mortgage. You can count on Sarah to guide you through the entire process from start to finish.

Think carefully before securing debt against your home, your home may be repossessed if you do not keep up repayments on your mortgage.

Remortgages

Remortgaging is simply moving your mortgage from one lender to another without moving home. However, small percentage differences can have a big impact on your repayments, so it is crucial for you to receive great whole of market advice from an experienced mortgage adviser.

Abacus have access to thousands of mortgage products from across the whole of the market and will seek to find the most suitable mortgage deal for you.

If you have enough equity in your property, you may be able to release some capital from your home to carry out home improvements, to raise capital to purchase a Buy to Let property or to consolidate debt, although you should think very carefully before securing other debts against your home.

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

Buy To Let Mortgages

Whether you are a professional landlord or a newcomer to the buy to let market, we can help you to find the right deals, based upon your circumstances and preferences.

The need for professional mortgage advice in this sector of the market is unquestionable as lenders’ criteria vary greatly.

Once Sarah has helped arrange your buy to let mortgage, the relationship will not end there, she will keep you informed of any new developments in the buy to let mortgage market, and will be on hand to answer any queries you may have along your buy to let journey.

Some buy to let mortgages are not regulated by the Financial Conduct Authority.

Important Information for you to know

Abacus Mortgage & Protection Advice Limited is an appointed representative of The Right Mortgage Limited which is authorised and regulated by the Financial Conduct Authority. The Right Mortgage Limited are entered on the FCA register (http://www.fca.org.uk/register/) under reference 649443.
Registered office: 166 Banks Road West Kirby, Wirral CH48 0RH. Incorporation no. 13901708 registered in England & Wales.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Actual rate available will depend on your circumstances. Please ask for a personalised illustration.
Abacus’s charges are based on the complexity of your individual circumstances. Abacus will provide you with a free initial consultation and will always explain exactly what you will be charged before you choose to proceed with an application. As Abacus offer a bespoke service, their charges will vary. Abacus will charge a non-refundable upfront fee of £199 when you make a formal mortgage application. On completion, they will charge an additional broker fee which will be no more than £995.
These fees apply to all regulated mortgages. Certain mortgages, primarily most buy to let and commercial mortgages, are not regulated. Fees for non-regulated mortgages can vary depending on your requirements and circumstances. Please contact us directly for more guidance.
Some of the services shown are not or may not be regulated by the Financial Conduct Authority.
Buy to let mortgages and Commercial mortgages are not regulated by the Financial Conduct Authority.