Mortgages
AJHFS can offer a "Whole of Market" Mortgage Service utilising state of the art technology in order to source, negotiate and agree the most competitive mortgage facilities.
We have experience and a wealth of contacts in both the residential and commercial markets.
Residential Mortgages
Residential mortgages are available in all shapes and sizes. Fixed Rates, Capped Rates, Tracker Rates, Discounted Rates and indeed Standard Variable Rates all have their place. Indeed, in the current market a Standard Variable Rate may actually be the best choice. Fees, lending criteria, redemption penalties, lender -specific nuances and preferences are all important.
AJHFS generally receive procuration fees from the lending market which means that quite often our services can be provided free of charge.
Commercial Mortgages
Commercial mortgages once again come in a variety of forms and from a broad range of Financial Institutions. Lending propositions need to be presented clearly and carefully in order to gain a potential Lender's confidence. Our experience within this sector means that your lending proposals will be taken seriously. Our commercial lending contacts range across the conventional clearing bank market into the smaller commercial banks and indeed include international banks and private investors.
Your home is at risk if you do not keep up the repayments on a mortgage or other loans secured on it. Be sure you can afford the repayments before entering into any credit agreement.
Property prices fluctuate according to market conditions, and the value of your property may go down as well as up. In future, this could mean that your mortgage loan exceeds its current market value, i.e. you could be in a "negative equity" situation.
