Services we offer
Mortgage Central (Scotland) Ltd offers a range of services backed by knowledge, expertise and experience. Whatever you are concerned about we will endeavour to help you find ways of satisfying your financial goals for both the present and the future.
A small change in the way you manage your finances today can make a very considerable difference to your finances in the future.
MORTGAGES
Let us help and guide you through the mortgage maze!
Buying a property or switching your mortgage to another lender can be confusing and stressful and as your home is probably the largest single investment you will ever make it is more important than ever to ensure that you get the best mortgage deal available. In an ever changing mortgage market, Mortgage Central will do that for you!
We electronically search the Whole of Market, which means that we have access to hundreds of mortgage deals, some of which are not available on the high street.
We will complete a Confidential Mortgage Questionnaire with you to ensure that we have enough information to enable us to make the recommendation most suited to your requirements and budget.
We will then guide you through the entire process and make sure you are aware of all of your options. We will take care of the paperwork and make sure you know what documentation is required.
So whether you are:
- A First Time Buyer
- A Home Mover
- Moving your mortgage to another lender (remortgage)
- A Buy to Let investor
Call us now for a no obligation chat. We understand that most of our clients work and traditional banking hours make it difficult to take time out to discuss your requirements. Therefore you can arrange an appointment in our conveniently located Stirling Office with ample parking or we can arrange a home visit if required for those customers located in the central belt of Scotland. Weekend or evening appointments can also be made by arrangement.
Even if you are only considering your options at this stage and are looking for impartial advice - give us a call!
Buy to Let mortgages are not typically regulated by the Financial Services Authority.
PROTECTION
We will explain your options and help prioritise your needs!
Protecting your assets should form an integral part of your financial planning. Various plans are available to enable you to protect your home, mortgage and income against unforeseen circumstances.
We can present the options and alternatives available to you and provide quotations for Life Insurance, Critical Illness Cover, Mortgage Payment Protection and Buildings and Contents Insurance. We will research the available products of top name insurance providers to ensure you receive the most suitable cover possible. Please click on our 'KEYFACTS about our services' button on the left for information about whose products we offer.
We will only recommend products suitable to your needs and requirements and do not 'pressure sell' products you neither need or want. Whatever we recommend will be bespoke to your circumstances and affordability will always be discussed.
SECURED LOANS
Secured Loans offer an alternative to remortgaging and is suitable in a number of circumstances. Your current mortgage lender may be unwilling to offer additional borrowing, you may be tied in to your current deal with hefty penalties, or you may require the loan over a shorter term.
As is your mortgage, these loans are secured on the equity in your property and the lenders take a 'second charge' on your home.
We can submit your Secured Loan application to specialised brokers who will search the Whole of Market to offer you the most suitable deal.
COMMERCIAL LENDING
If you own commercial property or wish to buy a business or commercial premises, we can refer your application directly to specialised commercial lending brokers. Again, these specialists can search the whole of market to enable them to present you with your alternatives.
Commercial Lending is not currently regulated by the Financial Services Authority.