Mortgages, Remortgages and Equity Release

At Sense we aim to ensure that not only do you have an affordable mortgage which is right for you but that everything progresses as smoothly as possible from application to completion.

Whether you are a first time buyer starting out on the property ladder, looking to move to a larger property to provide more space for the family or are looking for an investment property to rent, it is likely you will need a mortgage* to help you make your move.  You may even be considering re-mortgaging to get a better deal or to release capital growth in the value of your property to help with home improvements or to provide money for a business venture.

Gone are the days when a borrower was grateful to the lender for providing them with a mortgage facility.  In today's marketplace, lenders are in competition with each other for your valuable business. The mortgage market is a complex area.  There are so many types of mortgage available that it is easy to become confused and it’s possible that the products offering the lowest headline rate of interest look attractive. Taking booking and arrangement fees, conditional insurances, higher lending charges, lock-ins and early repayment charges into account, may make these products less appealing than you first thought.

Deals are constantly changing and trying to keep abreast of what is on offer is not easy. We have access to all available deals and our mortgage advisers can research the market to find the product that best meets your needs.  We will also oversee the process of completing on the mortgage and ensure that all the parties have all the right documentation at the right time. This is an essential part of the service as communication breakdown can lead to unnecessary delays and complications. 

* Your home may be repossessed if you do not keep up repayments on your mortgage or other loan secured on it. If you would rather pay for mortgage advice via a fee as opposed to Sense Financial Solutions receiving a commission, our charges would typically be 0.5% of the loan, therefore, for a £100,000 mortgage the fee would be £500.

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