Mortgages

What is it
A mortgage is a loan taken out to allow the purchase against a freehold or leasehold property. The loan is arranged through a financial institution and is secured against the property being purchased.

Why do you need financial advice to obtain a mortgage?
With over 4,000 differing mortgage products in the marketplace and over 100 lenders, finding the right advice for your circumstances can be a daunting experience. Why take on this onerous task all on your own when a Norman J. Shepherd & Co adviser can guide you through the mortgage maze. We are totally independent and can arrange mortgages from the whole of the market.

All our mortgage advisers are fully qualified and we have been arranging mortgages for over 15 years. We know which lenders wour circumstances and can inform you after our initial analysis what deals are most suitable for yoill fit yu and how we can help make the necessary arrangements, Our systems are updated everyday, so we are always aware of who are offering the best options to meet your requirements. We endeavour to get the required mortgage agreed within 48 hours of our initial discussions.

Norman J. Shepherd & Co have a dedicated administration team that will keep you informed on the progress of your application. Our aim is to obtain a mortgage offer within 14 days of completing the forms.

We arrange mortgages for all circumstances, including:
• House purchase
• First Time Buyers
• Right to Buy
• Shared Ownership
• 100% mortgages (up to 125% is now available)
• Remortgages
• Specialist Mortgages for Self Employed
• Buy to Let Mortgages
• Limited Company Buy to Let Mortgages
• Capital Raising
• Product Transfers (negotiating new rates with existing lenders)

Once we have arranged your mortgage, you will want to know how best to protect it. After all, buying a home is one of the largest financial commitments you are likely to take. Our advisers can recommend a variety of protection products to meet you requirements.

Case study
Mr A & Miss B contacted Norman J. Shepherd & Co, as they were looking to purchase their first property. They had carried out their own research via the internet and by talking to family and friends, but did not know really what they were able to borrow, what type of deal was suitable and how much it all costs. After carrying out a detailed study of there circumstances and establishing there needs we were able to advise how much they could realistically afford and what type of, deal was appropriate. A mortgage was 'agreed in principle' within 24 hours and this gave them the comfort in knowing that they could focus there efforts on finding a property that was within there budget.

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