Mortgage
Mortgage Services
Buying a home is a big milestone, and it’s natural to feel a mix of excitement and uncertainty. That’s why having someone who truly understands the process and cares about your journey can make all the difference.
Our mortgage advisers are here to help you find the right mortgage that fits your financial situation and future goals. We’ll guide you through each step – from applying for a loan to comparing options and securing the best terms. With us in your corner, you can feel confident that you’re making the right choice for your future.
Give us a call or connect with one of our friendly advisers today, and let’s make your homeownership dream a reality.
Our Mortgage Advice Process
Our approach is centered around you. We follow a thorough and compliant process that prioritizes your unique needs and goals, ensuring we provide tailored advice. Beyond that, we aim to build a long-term relationship, supporting you not just through your mortgage journey today but in the years to come.
Understanding
This is all about you. We want to understand exactly what you’re looking for, where you see yourself headed, and how we can support you on that journey. Your adviser will explain the advice we offer and guide you through the next steps to get started.
Documents
To help with your loan, we’ll need documents like proof of income, savings, liabilities, assets, and ID—everything lenders require to process your application. Our online fact-finding system makes it easy to submit your documents from anywhere.
Assessment
Once we’ve collected your documents, we’ll assess which lender suits you best and why. Your adviser will walk you through your borrowing capacity and help finalize the details to move forward with your loan application.
Approval
We’ll negotiate with lenders on your behalf to ensure you get the best terms. If more information or a meeting is required, we’ll support you through it, ensuring your loan moves forward as smoothly as possible.
Settlement
When it’s time to settle, we’ll coordinate with you, your lender, and your solicitor to ensure everything runs smoothly. Our goal is to make sure there are no unexpected issues on settlement day.
Support
Even after settlement, we’re here to help. We’ll continue working with you to manage your mortgage, explore ways to pay off your loan faster, and review your rates regularly to save you money.
Types of Loans
It’s essential to explore and evaluate different loan options to find the one that aligns with your financial situation and long-term goals.
Standard Loan
A Standard Loan provides a fixed interest rate and steady repayments for the entire loan term. This ensures your payments remain stable, making it ideal for borrowers who value predictability and long-term financial planning.
Split Loan
A Split Loan allows you to divide your loan into parts, each with a different interest rate. For instance, one portion can have a fixed rate while another has a variable rate, offering flexibility and better management of interest rate changes.
Loan Structure
Fixed Rate Loan
A Fixed Rate Loan locks in your interest rate for a specific period, offering stability and predictable payments. While you may pay more if interest rates drop, it shields you from increases, providing both peace of mind and financial certainty for the entire term.
Variable Rate Loan
Known as a floating rate loan, this option features an interest rate that can rise or fall with the market. It provides flexibility, allowing you to make extra repayments or reduce the principal with little to no fees, helping you pay off the loan faster when possible.
Important Information and Disclaimer
The advice provided in this publication is general in nature and not tailored to your individual circumstances. Before making any decisions based on this information, we recommend seeking personalized advice. Please note that past performance is not a reliable indicator of future outcomes, and the content reflects our current understanding of relevant legislation and standards.
Some of the information may have been sourced from third parties. While we believe it to be accurate and reliable, we cannot guarantee its accuracy.
Aarit Finance and its representatives or employees do not provide any warranties regarding the accuracy of the information and are not responsible for any errors or omissions contained within this publication.
Having Trouble Managing Your Finances?
Sed tincidunt accumsan lacus nec bibendum sapien aliquet ut suspendisse. Pharetra finibus condimentum aenean lacinia sem metus Integer dapibus diam justo.
Get to Know Our Partners
Augue molestie a etiam quis tincidunt est, et efficitur ipsum nunc bibendum ut risus et vehicula proin erat tempus.