Our services: buying a home

Buying a home could be the biggest financial commitment you will ever undertake.

For many of us, buying a home is the first time we need financial advice and our mortgage is likely to remain our biggest financial commitment for many years to come.

When making such an important decision, it’s sensible to have a clear understanding of all the lending options, whether that results in cheaper monthly payments, a shorter mortgage term or perhaps the ability to afford your next property

Finding the right mortgage means two things: understanding the market and understanding you. That's why Harris Lipman Wealth Management research the whole market before making a recommendation.

As a member of the Intrinsic Financial Planning Limited network, we can offer you mortgages from a panel of lenders that represent the whole of the market including some exclusive deals you won’t be able to find on the high street. All the mortgage schemes are vetted to ensure only the very best mortgage products are presented to you. This process filters out any schemes with onerous conditions such as unfair penalties or charges. We aim to ensure your mortgage provides you with greater future flexibility.

Our main panel of lenders for residential property includes all the big names, such as Abbey, Halifax, Nationwide and the Royal Bank of Scotland.

For those interested in buy-to-let, we also have lenders with specific products for this market and we can advise you on all aspects of building a property portfolio.

Once you have bought your home, it’s just as important to protect yourself and your family from any financial risk in the future. Our advisers can help you to decide the right levels of insurance, and the types of cover most appropriate for you.

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

The FSA do not regulate some forms of buy- to-let mortgages.

There will be a fee of between 0% and 0.5% for mortgage advice. The precise amount will depend upon your circumstances, but we estimate it will be between £0 and £500 based on a £100,000 mortgage.

To find out more about what we can do for you, please contact us.