Services
See what My Mortgage Wizards can do for you
Click on one of our services to read about what we can do for you
Mortgages
With so many years’ experience in the financial services sector we’ve secured so many different types of mortgages, all with varied requirements and property goals.
Whether you are a first-time buyer, securing a new mortgage product, moving to your forever home or adding to your buy to let portfolio we will advise you and aim to find the right mortgage deal for you.
First-Time Buyers
Spotting your first home and deciding you want to buy can be one of the most exciting times of your life. It can also be one of the most stressful times because it’s such unchartered territory.
We’ll explain the process from start to finish, from looking at the amounts you can potentially borrow to the processes involved in a mortgage application. We’ll also talk you through to when the right time is to instruct a solicitor and how much it costs to move in.
Moving House
We understand that moving house can be a stressful time – even more so when there’s a chain involved.
With so many pieces to the jigsaw, house movers can often feel the strain.
Our team will help take the stress and strain out of the process.
We’ll look at the deals available, find you the best one to fit your circumstances and get the ball rolling quickly so we can get you into your new property as soon as possible.
Remortgages
In the current climate we all know that making our money go as far as possible is more important than ever.
There are hundreds of mortgage deals on offer at any one time and when yours end, we can look at what your existing lender may have on offer and compare with other mortgage products on the market. We will work with you to help find the most suitable deal for you.
You may wish to extend your mortgage term to keep your payments manageable or you may be in a position to reduce your mortgage term and pay off the mortgage sooner. We will work with you to explain the impact, consequences and benefits of this. Please note that when extending the term this can increase the overall interest payable over the term and increasing the mortgage term may not be suitable for your circumstances.
And if you’ve decided you want to free up equity to renovate or extend your current properly, we’ll help you look at your options.
Self-Employed
When you work for yourself, your financial situation can change from month to month – that means securing a mortgage can often be more complicated.
Self-employment doesn’t have to be a barrier though. We help lots of self-employed people get mortgages, whether they’re sole traders, a contactor, or a company director.
We understand what lenders are looking for, the criteria they use and the paperwork required and will help you navigate the process, answering any questions along the way.
Buy to Let
If you want to add to your existing property portfolio or want to buy your first buy to let, we can help.
The criteria for buy to let mortgages has changed hugely in recent years – we will help you navigate the waters, using our expertise to explain the options available.
Whether you are looking to buy a property in your personal names or as a limited company we can help.
The Financial Conduct Authority does not regulate some forms of Buy to Lets. Your property may be repossessed if you do not keep up repayments.
Insurance & Protection
Life can be unpredictable. When the unexpected happens, the right protection could be the biggest safety net you’ll ever need. We’ll work with you to look at your individual circumstances and advise you on the policies available for you, whether that’s for your building and contents, life and critical illness cover, income protection or family income benefit. We can also look at landlords’ cover too.
Buildings & Contents
You’ve worked hard to put a roof over your head and to pay for the things within it. Getting the right level of home insurance, will make sure you’re protected should the unexpected happen.
We have access to exclusive deals with Paymentshield and can advise you on the options available.
From essential fire and flood damage and making sure you’re covered for accident damage to valuable items getting stolen or goes missing we can help.
Life Protection
Nobody wants to think about the worst happening but getting the right insurance cover is essential to make sure your loved ones are looked after if it does.
There are lots of options available and we can talk you through the right ones to fit your circumstances and your budget, aiming to give you the reassurance that your loved ones could be financially taken care off if you’re no longer here.
Critical Illness Cover
No-one can predict the future. None of us know what’s round the corner but we can do all we can to protect ourselves if we get seriously ill.
Critical illness cover provides a level of protection if you are diagnosed with an illness such as cancer, heart attack or stroke to name but a few. The providers we work with each have different definitions of the conditions that are covered and some have additional benefits too. It is important to know the difference between serious illness cover and critical illness cover, and we can help you navigate this giving you peace of mind that the cover you have in place is suitable for your needs.
There are different types of cover available – some provide a lump sum which could potentially pay off your mortgage, whilst others give a monthly sum to help pay your bills while you undergo treatment.
We recommend from a large number of providers, comparing levels of cover and suitability of protection. We will work with you to talk through the cover available to get the right one for you and your family.
Income Protection
Paying the bills is something we all have to budget for – but if you or your partner were unable to work, would you still be able to manage?
If you are ill and unable to work, the last thing you need to be worried about is falling behind with payments or defaulting on your mortgage. As with other protection mentioned, there are lots of differences between the insurances on offer and so it is really important that we talk through the options and look at the most suitable protection for your needs and budget.
We work with a panel of insurers we can look at the options available to you to find the right level of income protection cover to meet your budget.
Family Income Benefit
If the worst happens and you weren’t here to provide for your family – would they be able to cope financially?
Would your partner or family be able to pay the mortgage and your other bills? Family income benefit could ensure that that’s all taken care of should you pass away.
We can look at the levels of insurance and packages available to find the right level of cover for you to protect your family helping to give you peace of mind and reassurance.
Click on one of our services to read about what we can do for you
Mortgages
With so many years’ experience in the financial services sector we’ve secured so many different types of mortgages, all with varied requirements and property goals.
Whether you are a first-time buyer, securing a new mortgage product, moving to your forever home or adding to your buy to let portfolio we will advise you and aim to find the right mortgage deal for you.
First-Time Buyers
Spotting your first home and deciding you want to buy can be one of the most exciting times of your life. It can also be one of the most stressful times because it’s such unchartered territory.
We’ll explain the process from start to finish, from looking at the amounts you can potentially borrow to the processes involved in a mortgage application. We’ll also talk you through to when the right time is to instruct a solicitor and how much it costs to move in.
Moving House
We understand that moving house can be a stressful time – even more so when there’s a chain involved.
With so many pieces to the jigsaw, house movers can often feel the strain.
Our team will help take the stress and strain out of the process.
We’ll look at the deals available, find you the best one to fit your circumstances and get the ball rolling quickly so we can get you into your new property as soon as possible.
Remortgages
In the current climate we all know that making our money go as far as possible is more important than ever.
There are hundreds of mortgage deals on offer at any one time and when yours end, we can look at what your existing lender may have on offer and compare with other mortgage products on the market. We will work with you to help find the most suitable deal for you.
You may wish to extend your mortgage term to keep your payments manageable or you may be in a position to reduce your mortgage term and pay off the mortgage sooner. We will work with you to explain the impact, consequences and benefits of this. Please note that when extending the term this can increase the overall interest payable over the term and increasing the mortgage term may not be suitable for your circumstances.
And if you’ve decided you want to free up equity to renovate or extend your current properly, we’ll help you look at your options.
Self-Employed
When you work for yourself, your financial situation can change from month to month – that means securing a mortgage can often be more complicated.
Self-employment doesn’t have to be a barrier though. We help lots of self-employed people get mortgages, whether they’re sole traders, a contactor, or a company director.
We understand what lenders are looking for, the criteria they use and the paperwork required and will help you navigate the process, answering any questions along the way.
Buy to Let
If you want to add to your existing property portfolio or want to buy your first buy to let, we can help.
The criteria for buy to let mortgages has changed hugely in recent years – we will help you navigate the waters, using our expertise to explain the options available.
Whether you are looking to buy a property in your personal names or as a limited company we can help.
The Financial Conduct Authority does not regulate some forms of Buy to Lets. Your property may be repossessed if you do not keep up repayments.
Insurance & Protection
Life can be unpredictable. When the unexpected happens, the right protection could be the biggest safety net you’ll ever need. We’ll work with you to look at your individual circumstances and advise you on the policies available for you, whether that’s for your building and contents, life and critical illness cover, income protection or family income benefit. We can also look at landlords’ cover too.
Buildings & Contents
You’ve worked hard to put a roof over your head and to pay for the things within it. Getting the right level of home insurance, will make sure you’re protected should the unexpected happen.
We have access to exclusive deals with Paymentshield and can advise you on the options available.
From essential fire and flood damage and making sure you’re covered for accident damage to valuable items getting stolen or goes missing we can help.
Life Protection
Nobody wants to think about the worst happening but getting the right insurance cover is essential to make sure your loved ones are looked after if it does.
There are lots of options available and we can talk you through the right ones to fit your circumstances and your budget, aiming to give you the reassurance that your loved ones could be financially taken care off if you’re no longer here.
Critical Illness Cover
No-one can predict the future. None of us know what’s round the corner but we can do all we can to protect ourselves if we get seriously ill.
Critical illness cover provides a level of protection if you are diagnosed with an illness such as cancer, heart attack or stroke to name but a few. The providers we work with each have different definitions of the conditions that are covered and some have additional benefits too. It is important to know the difference between serious illness cover and critical illness cover, and we can help you navigate this giving you peace of mind that the cover you have in place is suitable for your needs.
There are different types of cover available – some provide a lump sum which could potentially pay off your mortgage, whilst others give a monthly sum to help pay your bills while you undergo treatment.
We recommend from a large number of providers, comparing levels of cover and suitability of protection. We will work with you to talk through the cover available to get the right one for you and your family.
Income Protection
Paying the bills is something we all have to budget for – but if you or your partner were unable to work, would you still be able to manage?
If you are ill and unable to work, the last thing you need to be worried about is falling behind with payments or defaulting on your mortgage. As with other protection mentioned, there are lots of differences between the insurances on offer and so it is really important that we talk through the options and look at the most suitable protection for your needs and budget.
We work with a panel of insurers we can look at the options available to you to find the right level of income protection cover to meet your budget.
Family Income Benefit
If the worst happens and you weren’t here to provide for your family – would they be able to cope financially?
Would your partner or family be able to pay the mortgage and your other bills? Family income benefit could ensure that that’s all taken care of should you pass away.
We can look at the levels of insurance and packages available to find the right level of cover for you to protect your family helping to give you peace of mind and reassurance.
