Need Mortgage Advice? - call us to find out more 01273 906706
Buying a property can be the biggest decision made in our lives.....and a mortgage is often one of the largest financial commitments that you will undertake, so choosing the right one requires careful consideration. It is for this very reason that impartial Independent Advice from competent and qualified Advisers is essential. Whether you are a home mover, a first time buyer, looking to purchase a second home, or even simply looking to remortgage, our experienced expert Advisers are here to help you.
Protect your Mortgage, Family & Future - call us for more information 01273 906706
Quite often you hear; ‘it could never happen to me’ or ‘I’ll sort it out later’. But you wouldn't leave your home or car uninsured,...... so why your Mortgage or Family? Family are important to us all; that is why it is best to get expert advice to help protect who matters, and when it matters! 'SMS - Protecting Your Mortgage, Your Family & Your Futures'
Equity Release & Lifetime Mortgages - call us for more information 01273 906706
An Equity Release mortgage is a type of mortgage for over 55s to enable them to release the cash (equity) in their property. The most common form of Equity Release is called a Lifetime Mortgage, these make up over 99.5% of the Equity Release market. A Lifetime Mortgage offers a fixed interest rate for life. There are hundreds of products available, and many enable you to pay some, part of all of the interest. You are even able to pay back up to 10% of the initial capital borrowed each year if you choose to.
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About
NEWS: Interest rates rise for first time in three years
The Bank of England has raised interest rates for the first time in more than three years, in response to calls to tackle surging price rises.
The increase to 0.25% from 0.1% followed data this week that showed prices climbing at the fastest pace for 10 years.
It came despite fears the Omicron variant could slow the economy by causing people to spend less.
The Bank's action is set to increase the mortgage costs of some homeowners.
The decision by the Bank of England will add just over £15 to the typical monthly repayment for a tracker mortgage customer.
A standard variable rate mortgage-holder is likely to pay nearly £10 extra a month.
(read more here: https://www.bbc.co.uk/news/business-59682521)
Do you have a tracker mortgage and will now see your repayments rise? Are you worried that rising rates might affect your finances?
Is it time to Fix your mortgage repayments? Please call us to discuss all your options in more detail
Mortgage Guarantee to help buyers with 5% deposit
A mortgage guarantee scheme to help people with small deposits get on the property ladder was announced in the Chancellors recent Budget.
The government will offer incentives to lenders, bringing back 95% mortgages which have "virtually disappeared" during the pandemic, the Treasury says.
The new mortgage scheme is not restricted to first-time buyers or new-build homes, but there will be a £600,000 limit.
(read more here: https://www.bbc.co.uk/news/uk-56218952)
Expert Advice
Getting a mortgage can be a challenging and complicated process. That’s why you need regular access to expert guidance, support and financial advice from people you know you can trust. Our aim is to provide you with professional knowledge of the market and excellence in customer service whilst being on hand to help every step of the way.
We're committed to helping you fully understand the broad range of options available to you so that you can work with us to make an informed decision about the product that is most suited and tailored to your individual circumstances and requirements.
'Refer a Friend' Scheme
As a valued client of ours you can receive vouchers of your choice when you refer a friend, family member or colleague to us (subject to our T&C's). Please call or email us for details.
When we review where our NEW business comes from, it is often from personal recommendations and referrals from our existing or previous clients.
Your experience working with Sussex Mortgage Services means so much and is very important to us.
Therefore, we decided to say thank you to all of our clients and reward them by means of our ‘Refer-a-Friend or Family’ scheme.
So, if you were happy with the way in which we have managed your expectations and your experience using our services, then PLEASE TELL YOUR FAMILY, FRIENDS and COLLEAGUES about Sussex Mortgage Services so that we can also help them!
Simply call us and give us your friends/family/colleagues details or contact us here with their details (quote; Refer a Friend).
Then, (upon completion of your friends/family/colleagues mortgage transaction), we will send you your chosen vouchers..........It's as simple as that!
Thank you from us all at SMS for recommending us, spreading the word and helping our business to grow. We really appreciate it.
Exclusive NHS Staff Benefits Scheme
We are very proud to be able to offer discounts to NHS Employees via the 'Staff Benefits' scheme.
If you are already a member of 'Staff Benefits', please call us or contact us here to claim your discount. (quote; Staff Benefits/SMS/Discounts)
If you are an NHS employee and not already a member of the 'Staff Benefits' scheme, you can sign up for FREE!. Please call us for further information on how to register to receive your SMS discount and also access to many more exclusive discounts from high street outlets and national brands!
Research
Mortgage Finder
Search the whole market at your finger tips with our mortgage finder to find the latest up to date rates and products
Mortgage Tables
Our mortgage tables can help you check the most competitive latest mortgage rates and lender product schemes available
Calculators
Our calculators are designed to help give an indication of the approximate monthly payments and stamp duty costs.
Approach
1. Finding out about you and your needs
Our aim is to find out about you, your current situation, the type and cost of the property you would like to buy or remortgage. This will help assess your circumstances and show the best way to proceed.
2. Searching for the best product
Once we fully understand your personal situation, our experts will search through a comprehensive range of mortgages in the marketplace to find the right one to suit your needs.
3. Presenting you with the solution
Once we’re happy that we have the right solution for your needs, we’ll present this to you in an easy to understand document, and you can ask any questions that you may have.