With that in mind in 2009 Marchwood IFA was formed with the sole aim of providing highly specialised independent financial advice. We provide expert advice on mortgages, investment and pension planning, and retirement life-stage planning including equity release and pension drawdown. The Marchwood IFA team are able to offer a bespoke, independent and professional service that delivers concise financial advice to all of our clients.
This approach means that our customers can make essential financial decisions with confidence. Our expert mortgage advisors are not tied to specific lenders. This means that whatever mortgage you are looking for - first-time buyer, buy to let, or remortgage; we can help you navigate the whole of the mortgage market. Let our specialist investment advisors guide you through your investment options; from tax free savings such as cash and stocks and shares ISAs, to investment bonds and Inheritance Tax planning.
Whether you are retirement planning; or considering your first pension scheme we can help you with the how, what, why.
This approach means that our customers can make essential financial decisions with confidence. Our expert mortgage advisors are not tied to specific lenders. This means that whatever mortgage you are looking for - first-time buyer, buy to let, or remortgage; we can help you navigate the whole of the mortgage market. Let our specialist investment advisors guide you through your investment options; from tax free savings such as cash and stocks and shares ISAs, to investment bonds and Inheritance Tax planning.
Whether you are retirement planning; or considering your first pension scheme we can help you with the how, what, why.
Services
For many people a mortgage is the biggest financial commitment that they make.
We can help you choose the right mortgage because we are mortgage specialists that have access to the whole mortgage market; we are not tied to specific lenders.
The criteria for mortgage lending, and therefore mortgage affordability, has become much more complicated.
We can help you to work out what you can borrow and afford.
We can recommend what type of mortgage or remortgage: interest only, repayment, buy-to-let or lifetime; will best suit your needs.
We can help you choose the right mortgage because we are mortgage specialists that have access to the whole mortgage market; we are not tied to specific lenders.
The criteria for mortgage lending, and therefore mortgage affordability, has become much more complicated.
We can help you to work out what you can borrow and afford.
We can recommend what type of mortgage or remortgage: interest only, repayment, buy-to-let or lifetime; will best suit your needs.
Interest only mortgages are a useful way to reduce mortgage payments; because only the interest is repaid over the mortgage term.
The capital is repaid with either savings, investments, pensions or the sale of the property at the end of the mortgage term.
If applicants have insufficient funds to pay off the loan at the end of the mortgage term, then the property must be sold.
The interest rate chosen can be variable or fixed.
Those lenders that offer interest only mortgages generally restrict the loan to value; and require minimum levels of equity and income.
The capital is repaid with either savings, investments, pensions or the sale of the property at the end of the mortgage term.
If applicants have insufficient funds to pay off the loan at the end of the mortgage term, then the property must be sold.
The interest rate chosen can be variable or fixed.
Those lenders that offer interest only mortgages generally restrict the loan to value; and require minimum levels of equity and income.
Repayment mortgages are the only method of paying your mortgage that guarantee; that the mortgage will be paid in full at the end of the mortgage term.
Each mortgage payment is made up of both 'capital and interest'.
Our expert mortgage advisors can advise you on the most appropriate repayment method for your mortgage and; they can help you calculate how much you can afford to borrow.
We have access to the whole of the mortgage market.
Because we are not tied to specific lenders we can uncover fresh options for you.
Each mortgage payment is made up of both 'capital and interest'.
Our expert mortgage advisors can advise you on the most appropriate repayment method for your mortgage and; they can help you calculate how much you can afford to borrow.
We have access to the whole of the mortgage market.
Because we are not tied to specific lenders we can uncover fresh options for you.
To be eligible for a lifetime mortgage, applicants must be a minimum of 55 years' old.
The lending criteria for lifetime mortgages is very strict, it is regulated by the Equity Release Council.
House value that is released via a lifetime mortgage can be used to fund maintenance or repairs to the home, as part of living inheritance planning, or to increase retirement income.
There are four main types of lifetime mortgages: interest repayment where some, or all of the interest on the loan is paid off; enhanced lifetime mortgages where applicants have lower-than-average life expectancies, lump sum where a loan is borrowed from house value, or drawdown where a smaller loan is taken at the start which is then followed by incremental payments.
The lending criteria for lifetime mortgages is very strict, it is regulated by the Equity Release Council.
House value that is released via a lifetime mortgage can be used to fund maintenance or repairs to the home, as part of living inheritance planning, or to increase retirement income.
There are four main types of lifetime mortgages: interest repayment where some, or all of the interest on the loan is paid off; enhanced lifetime mortgages where applicants have lower-than-average life expectancies, lump sum where a loan is borrowed from house value, or drawdown where a smaller loan is taken at the start which is then followed by incremental payments.
Buy to let mortgages are used to purchase investment properties, or properties to rent.
Our mortgage specialists can help people that are new to buy to let mortgages, seasoned landlords, and companies that invest in property.
Our experts can advise on converting an existing residential mortgage, purchasing a first rental property, switching an existing mortgage to get a better rate, releasing equity to increase the value of portfolios, mortgages for Houses in Multiple Occupation (HMOs); and purchasing through a Limited Company.
Our mortgage specialists can help people that are new to buy to let mortgages, seasoned landlords, and companies that invest in property.
Our experts can advise on converting an existing residential mortgage, purchasing a first rental property, switching an existing mortgage to get a better rate, releasing equity to increase the value of portfolios, mortgages for Houses in Multiple Occupation (HMOs); and purchasing through a Limited Company.
Reviews
Be the first to review Marchwood IFA.
Write a Review
