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Why Equity Select?

We pride ourselves on working with you, our clients, throughout the entire process, to ensure everything goes as smoothly as possible.

From the initial meeting right through until completion, whether you are looking for help with a mortgage, equity release or insurance we’ll be on hand to help you every step of the way.

What do we offer that’s different?

We truly believe that our passion to help you and our determination for you to succeed financially is what makes us different from others!

We know that not everyone likes technology; some people prefer to discuss their finances face to face. In this world with it’s rapid growth in technology, we still prefer to stick to some traditional ways. That’s why we offer face-to-face appointments to all our clients, at a place and time that works best for you as an individual.

For those of you who are more tech-savvy and are happy to work remotely, we can also help you!

Our website contains all the information regarding our services, so you can find out how we can help you personally.

Additional Details

  • Mortgage Adviser Qualifications:Certificate in Mortgage Advice and Practice (CeMAP)
  • Financial Conduct Authority (FCA) Number:944444
  • My pronouns are:He/Him/His
  • Advice Methods:Face-to-Face (Office), Face-to-Face (Home), Face-to-Face (Public Place), Telephone
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  • Languages Spoken:English
Q Can you get a mortgage if you are self employed?

When it comes to self employed applicants, there are different ways in which the banks will calculate how much you can borrow. It’s important to say here, and is probably why most self employed professionals fear that they will not be able to get a mortgage, banks have different ways in which they assess your income and their criteria for self employed mortgages goes a bit further than just income. They will want to know about your business in terms of its performance, any debts that it has, how long it has been trading, and which sector you operate in.

For more information check out our blog:

Q How do I pay off my Help 2 Buy Loan?

The Help to Buy loan is designed to help buyers get on the property ladder using a 5% deposit and a 20% Government loan. The key word being “loan”. Whilst the new Help to Buy rules which came in to force in 2021 have changed who qualifies for the Government loan, the terms in which the loan has to be repaid remain the same.

During the first 5 years of the loan you pay no capital or interest back on the borrowed money. This is one of the reasons why it is a popular method of purchasing a new build property. However, after 5 years, things change and this is where you have to decide what the best option is for you.

Interest is charged on the money you initially borrowed at the start of year 6. During the first 5 years you have paid a £1 monthly management fee. This continues until the loan is repaid in full. The interest that is charged starts at 1.75%, based on the initial loan amount. The interest rate will rise in April each year based on the rate of inflation at the time (according to the Consumer Price Index), plus 2%. If the rate of inflation is 0% or less, the interest rate will rise by 2%.

To find out which option works best for you have a read of our blog post:

Q First Time Buyers looking for advice?

First time buyers looking for advice and guidance around the whole property buying process may find the situation slightly overwhelming. With so much information available online nowadays we decided to put a First Time Buyer Mortgage Guide together which covers all of the main points that come up in conversation with our clients. The most important piece of advice that we offer all our clients is around preparation. The more planning you can do in advance the better!

As an independent company Equity Select has access to a wide range of lenders, some of them you will know, others only work directly with mortgage advisers like us. Our job is to work with you and find the mortgage that’s right for you! More than that though, we pride ourselves on helping you throughout the whole property buying process. We can deal with the banks on your behalf, we can also work with the estate agent and solicitors throughout the process to ensure things go as smoothly as possible. Having been first time buyers ourselves not so long ago we know what you are going through and the challenges that you are going to face when buying your first home. That’s why we are here to help!
Check out our First Time Buyer Mortgage Guide below:

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