Apt Financial Management

Mortgage Advice

Choosing the right mortgage for your needs can be a daunting experience. In the current financial climate, knowing which option to choose can be a difficult decision.

The last couple of years have been a turbulent and worrying time in the economy with many problems stemming from the fact that the wrong types of mortgages were sold to the wrong people.

Independent mortgage advice

RICHARD LESTER - Mortgage Advisor

Paul ToonOur mortgage specialist, Richard Lester has 12 years experience in Financial Services with 10 of those based in the mortgage market. Richard has worked at director level at large mortgage brokerages in the East Midlands and takes the view that clients need to be guided through the minefield that is the mortgage market.

We offer independent advice and are not tied to any mortgage provider. This means that we are in the perfect position to scour the market for the best schemes available to our clients.

We have helped hundreds of people make that right choice for them based on their own individual circumstances.

Having many years experience in the mortgage industry, we have the expert knowledge to provide the right advice and the ability to efficiently process applications from offer to completion.

Typically we charge a mortgage advice fee of £200. We may also receive commission from the mortgage lender.

Tailored to your needs, our mortgage advice covers:

Our advice is tailored to your needs from first time buyers to seasoned property investors.

A first time buyer     As a first time buyer, hunting for a mortgage can be daunting – but we are here to help you. We’ve already checked out the first time buyer mortgage market, finding the best introductory offers, the lowest interest deals and the most flexible options – all from reputable lenders. The amount you can borrow will depend on the size of your deposit, your disposable income and your credit score.

Looking to re-mortgage     More and more UK homeowners are re-mortgaging to save money on their monthly repayments or to raise extra capital to carry out home improvements - so why not spend 5 minutes chatting to us to see if you could save? A re-mortgage - simply switching lender or finding a better deal with your existing lender – could significantly cut your monthly outgoings.

Moving home    Moving home is a great time to see what other mortgage lenders can offer you. As one of the East Midlands leading independent mortgage brokers, we can help you to find the right mortgage at the best rates. Even if you can’t sell your property and still need to buy, we may be able to find a solution to help you get out of the chain you are trapped in.

Buying to let     Buy to let mortgages are very popular with the UK market expanding dramatically over the last 5 years. However the recent troubles in the market have severely affected the number of products available. If you’re thinking about buy to let mortgages, whether it’s your first investment or you’re a seasoned private landlord, use our free search facility and you’ll find the best option in minutes

Wanting to release equity     Equity release is a way of raising money against the value of your home. Older homeowners may be able to release part of the value of their home as income or a lump sum. For some people this can be a useful way of freeing up extra money but there may be drawbacks. Any money released may affect your eligibility for means tested benefits for example.

Equity release may require a lifetime mortgage or home reversion plan. To understand the features and risks, ask for a personalised illustration..

As Equity release is such a complex subject it is vital to take independent financial advice before signing up to a scheme of this kind. That’s why at Apt Financial Management we do not provide individual recommendations in this area and use the services of a specialist equity release firm whom we consider are best placed to provide you with the most appropriate advice for your circumstances.

Looking to buy a commercial property    Many business owners find it frustrating with constant rent increases and landlords who don’t deal with issues surrounding the building. This is why it is becoming increasingly attractive for business owners to buy their own premises so that instead of paying rent, the business is paying a mortgage that is helping to buy a valuable asset for the business and will give the business owner greater flexibility if they want to borrow to expand in the future. We have excellent contacts within the commercial sector - even in the current difficult economic climate, if you can demonstrate serviceability and raise a suitable deposit, the option of buying your own premises is easier than you may think.

In these uncertain times it has never been more important to obtain sound financial advice to ensure that you find the mortgage for your circumstances.

Based near Ashbourne, we offer mortgage advice for Derby, Ashbourne, Lichfield, Burton-upon-Trent, East Leake and Uttoxeter.

A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.


Apt Financial Management, 4 The Willows, Hulland Ward, Ashbourne, Derbyshire DE6 3EW
Phone: 01335 370 515