Mortgages & Borrowing

Life circumstances change; your income may be higher or the value of your home has increased. So why should your mortgage stay the same? A remortgage is your chance to pay off your old mortgage and switch to a new one, ideally with a better interest rate and more flexibility. When your assets are on the uphill climb, Lighthouse will create an amended strategy to better work for you.

Make your mortgage reflect your life circumstances:

• Lighthouse will work with you and the lenders to find a remortgage solution that lowers costs and helps you build greater disposable wealth.
• Likewise, if you are looking to make alterations to your property, or perhaps release some equity, our specialists will explore the options available to you.

Where can you go with a new mortgage? More cash in your pocket, stronger assets in your portfolio? Explore remortgage options with Lighthouse to better suit your needs.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Buy-to-Let mortgages may be more expensive than a standard home mortgage, and investing in property is a risky, high-reward endeavour. Either financial independence or ruin await near the end of this journey, but through Lighthouse, you’ll have buy-to-let specialists on your side who can advise on both consumer and buy-to-let mortgages.

Aside from comprehensive financial review and planning, as well as wealth building and structuring strategies, Lighthouse will work with you and lenders to find the ideal buy-to-let mortgage optimised for your assets and the property’s potential. Lenders typically require the rental income to be a quarter to a third higher than your mortgage payment.

We’ll help find the equilibrium between expectations and possibilities, and you’ll discover a fruitful business opportunity. Find out how buy-to-let mortgages can serve as a potent source of income.

Mortgage insurance is a fundamental component of risk management. In essence, this type of insurance plan can provide protection should you have the misfortune to suffer an illness, redundancy or accident which prevents you from working and thereby maintaining your mortgage payments.

Policies can vary widely. Typically they will provide either a portion or all of the monthly mortgage bill for various lengths of time if you should lose your job or become disabled. Most mortgage life insurance policies, however, will be tailored to pay off your entire mortgage if you should pass away.

Our goal is to better safeguard your mortgage following an adverse change in financial circumstances. As such, your professional Lighthouse adviser will conduct a complete review of your financial holdings and assess the merits of a variety of suitable mortgage insurance plans. We’ll aim to optimise the benefit of advised policies by weighing them against your current and prospective financial circumstances as well as the possibility of unexpected events.

Never allow the unforeseeable to put you and/or your family in grave financial circumstances. Find a suitable mortgage insurance plan with the advice and oversight of a Lighthouse mortgage and protection expert today.