Our Services

Mortgages

Residential & Buy to Let Mortgages

When buying a property or looking to review the mortgage on your current property, we will discuss your most appropriate options and arrange this for you.


Your personal position will determine the type of mortgage that is best and right for you. Whether you are a first time buyer, looking to release money out of your current property, reviewing the current product you are on, investing in a BTL, obtaining an offset mortgage or anything else property finance related, we will discuss all of the options available to you, decide the best one and arrange it for you.


For your peace of mind, we are a whole of market mortgage intermediary, therefore, we have access to all of the lenders in the UK.

Get in touch to discuss your options. You can be rest assured you are dealing with a qualified and well experienced adviser in us. 


Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage. Commercial and Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority’’ .

Commercial Mortgages

If you are looking to purchase or refinance a commercial unit, we will explore your options for a commercial mortgage and work with you to arrange this.


If you’re purchasing or refinancing a commercial property, such as a GP surgery, warehouse or retail shop, you’ll need a commercial mortgage. We will explore your options and work with you to arrange this. 

Offset Mortgage

An offset mortgage allows you to link your mortgage with your savings which allows you to reduce your monthly payments or term of the mortgage. This type of mortgage can also be useful for someone looking to use equity in their property to invest in another but may not have found yet. Until you complete on your new purchase, you can avoid paying additional interest.

It can be a clever way to make your money work for you.

Later life lending

You may be at the stage of your life and career where you are no longer working but want to release money from your property. This could be for any given reason, from wanting to use it on yourself and holidays, use on home improvements to gifting to family for them to buy a home. Arranging Equity Release will allow you to do this.


Equity release is a way of unlocking the value of your home and turning it into a tax-free, cash lump-sum.


Equity Release will be referred to our partners and no advice will be given by Source All Mortgages.

Bridge Loan

Bridging finance is a short-term loan secured against a property or land. This could be from 1 to 18 months. Interest and the lenders arrangement fees are typically rolled into the capital advance, therefore there are no monthly mortgage payments to be met. Consequently, Bridging finance is not underwritten on affordability, instead, lenders are looking for a clear exit strategy, which will allow the funding to be redeemed, within the short-term period of the loan.

Protection

When you purchase a property with a mortgage you are taking on a debt. In the event of no longer being able to work or in your absence, mortgage protection is the sensible and advised option. This can ensure you and your family are not burdened with the debt. There are different forms of protection available including, life assurance, critical illness cover, income protection, family income benefit. As part of our service to you, we will discuss your options.

Wills and Estate Planning

Owning a property is a huge achievement. To ensure it is protected for you and your family in your absence, a will and/or estate planning should be arranged. If you already have one in place, excellent. You may want to update this depending on when it was last set up. Get in touch to discuss further.


Wills & Trusts are not regulated by the Financial Conduct Authority.

Life Insurance

Once you own a property and have taken on the responsibility of a mortgage, life insurance is essential in order to give your family financial protection in the event of you passing away. It needn’t be an expensive policy and can actually be very cost effective, especially if you don’t smoke. Source All Mortgages will assess your personal and financial circumstances and recommend the best policy for you.

Critical Illness Insurance

This offers you and your family some financial protection should you be diagnosed with a critical illness. It pays out a tax-free lump sum which can be spent how you wish. Perhaps you’ll use it to clear debts, pay medical bills or fit some adaptations to your home to help you adjust to your new condition.

Building and Contents Insurance

When buying a property, it is a legal requirement to have building insurance in place. If you are buying a flat, it is likely the insurance policy will be part of your monthly service charge.

If buying a freehold house, you will need to have this in place when you exchange on the property (as this is when you become the legal owner). We will arrange this for you and review premiums every year so you can be rest assured you are on a comprehensive policy and don’t need to worry about looking for the best price each year.

Income Protection Insurance

If you’re off work due to sickness or injury, an income protection policy will pay you a monthly amount to allow you to pay your bills. This cover offers peace of mind from knowing that you won’t get behind on your payments in the event that you unexpectedly lose your source of income.

Ancillary Services

Solicitors

When purchasing or mortgaging a property, you will require a solicitor to act on your behalf. The lender will also require this. We can put you in touch with a company if you do not already have one.

Accountants

If you have purchased an investment property you will need to submit yearly self assessments. This is also required for all self employed people. There may also be taxes due when selling a property. We can put you in touch with a qualified and experienced accountant for this additional tax planning advice. 


(Note, we refer this to a trusted partner. Accounting is not our area of expertise and we do not advise on this).

Investment and Pensions

Specialist investment advice can allow you to earn an additional form of income. Our qualified and highly experienced investment partners can discuss this and pensions with you. (All investment and pension products will be referred to our partners and no advice will be given by Source All Mortgages). 

Share by: