Independent Mortgage Advice

Whether you’re a first-time buyer, moving home, buying commercial property or want to remortgage, Hammond Financial offers integrity-driven solutions that provide a financial safety net.

We never use an off-the-shelf approach and instead invest time and care into fully understanding your circumstances and goals, enabling us to analyse suitable options and recommend a clear course of action that’s both manageable and effective.

Although Hammond Financial does not provide advice on commercial mortgages, we work with carefully chosen partners who are authorised and regulated to provide you with this specialist advice

Mortgage First Time Buyers

First-time buyers

Buying your first home is a very exciting milestone and the start of a new chapter in your life. However, it also comes with a lot of information that can be difficult to understand, so working with a fully qualified financial adviser will ensure that everything runs smoothly and the purchasing of the property happens as soon as possible.

We are by your side every step of the way, from the first meeting that explores which mortgages are available to you in line with your budget, to the day that you open the front door and walk into your new home. Everything that you need to know will be explained in no-nonsense language, including your borrowing limit, potential lenders, the different types of mortgages and what they mean, monthly mortgage costs and the amount required for solicitors and surveyors. We’ll even provide you with an estimate of how long the process will take, which will help you to plan your time and finances accurately and enjoy a stress-free experience.

We are dedicated to delivering a personal service from start to finish, so if you’d like to bring a friend to our meetings, that’s no problem at all. Buying your first property should be exhilarating, so our mission is to not only make the buying process straightforward but also share your dream and make it a reality.

Mortgage First Time Buyers
Remortgaging

Remortgages

One of the main reasons for remortgaging is to ensure that you’re not overpaying on your current mortgage. Through regular reviews, we can check that you’re getting the very best deal available to suit your circumstances.

From simple painting and decorating, all the way to renovating entire rooms, converting lofts and building extensions, the possibilities are endless and a home can be transformed multiple times over the course of a few years. The only obstacle that might be in the way of your vision is disposable income, which can often scupper ambitious plans.

A sustainable solution to this problem maybe the remortgaging of a property. This could release extra capital that can be allocated, for example, installing a state-of-the-art kitchen or creating new bedrooms as your family grows.  Or perhaps you’re interested in remortgaging so that you can invest in an additional property to rent out, pay off debts and bring your finances up to scratch, or something else entirely.

Whatever the situation, we scour the market for the best deals to suit your individual needs, give a clear explanation of how it all works, and have an open conversation to determine whether or not a remortgage is the best option for you.

Mortgages: New Home Remortgage

Moving home

There are many reasons for moving home, from needing more space and a bigger garden, to relocating to an area that’s perfect for family life, commuting or retirement. Your circumstances are truly unique, which is why we discuss every detail and then deliver a completely tailored moving strategy that fits your requirements.

Whilst this obviously includes all of the information you would receive if buying for the first time, we’ll also offer advice on preparing your property for the market, costs associated with moving, and how to avoid any stumbling blocks associated with moving from one house to another.

Mortgages: New Home Remortgage
Buildings and Contents Insurance

Buildings and contents insurance

Whether you are a first-time buyer, moving into a new home or investing in property through a buy to let mortgage, Hammond Financial can find you the best deal for your buildings and contents insurance. From small leaks and accidental breakage, to criminal damage and major disruption to your home, knowing that everything is protected through suitable insurance provides complete peace of mind.

Hammond Financial act as a credit broker not a lender for buildings and contents insurance. 

Hammond Financial is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE 

Our initial mortgage consultation is free. Hammond Financial usually charges a fee for mortgage advice. The amount we will charge is dependent on the amount of research and administration required.  We will discuss and agree this with you at the earliest opportunity.

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