Connect Mortgages Bristol

We’re working in partnership with Connect Mortgages Bristol

Connect Mortgages Bristol can help you raise a residential loan to purchase your new home whether you are a first-time buyer or a home mover. If you are an existing homeowner not looking to move Connect Mortgages Bristol may be able to help you to switch to a better interest rate or capital raise money for a range of uses. As well as helping find the most competitive rates from the high street, Connect Mortgages Bristol can also help with complex circumstances with access to over 150 lenders.

Ready to move home?

If you have decided now is the time to move home, Connect Mortgages Bristol can help you. Many clients think that their existing mortgage lender will be the best place to go, but with over 155+ lenders on the Connect Mortgages Bristol panel, contact one of our CJ Hole branches to ensure you get the very best next mortgage deal for your circumstances. The advisers can:

• Work out how much you can afford to borrow
• Search the whole of the market to find competitive deals
• Recommend which mortgage best fits your needs/circumstances and what it’ll cost
• Help you with the whole application process

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Further borrowing

If you have equity in your home and you want to borrow against that equity perhaps to complete home improvements, buy a second home or purchase a car, etc. then there are a number of options available.

Further Advance: You can approach your existing lender for a further advance. This essentially is an increase to your existing mortgage. The lender may breakdown the loans separately meaning that you might have different interest rates or terms on each part of the mortgage. Contact a Connect Mortgages Bristol Adviser who can help guide you on the best way to structure your further advance, even if you are staying with your existing lender.

Remortgage and capital raise: You will need to qualify for the additional borrowing, even with your existing lender. If you do not qualify for your existing lender a remortgage to a new lender could be a possibility and increase your mortgage at the same time. Even if you qualify for a further advance with your existing lender, a new lender may be more cost-effective and save you a significant sum of money.

Second Charge: If you are in an initial period where you will incur an early repayment charge for remortgaging and/or you are unable to obtain a further advance, another option is to take a second charge. This is a loan with a second lender, which is secured on your home but the existing mortgage remains in place. If you are looking for a better rate, further borrowing or both, a Connect Mortgages Bristol Advisor can help.

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Life cover

No one needs the added financial, practical and emotional problems that the death of a partner can bring, but sometimes without warning the unthinkable can happen. This is where life cover can really help. Having even a little protection in place to cover you and your partner in case one of you died, would mean that your loved ones would be looked after financially.

Many of us think protection is going to be expensive, but for less than £10 per month a non-smoking male aged 36 next birthday, could obtain life cover of as much as £150,000 over a 25 year term. Insurance for your boiler with British Gas would cost more! Which one matters most? The actual rate available will depend upon your circumstances.

Can Connect Mortages Bristol save you money on your existing plans? If you have not reviewed your existing plans for some time, they may not be at the right level of cover for your circumstances, or it is quite likely that we can save you money on the cost of these plans.

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Your home may be repossessed if you do not keep up repayments on your mortgage or loans secured on it.