Home Finance Planning

Here at Sage Independent advisers spend a large amount of time working closely with their clients to be able to understand their personal and financial needs, so if you are looking at taking out a mortgage you can rest assured knowing our advisers will do their best to find the right one for you. We can cover the entire Southwest & Wales and can visit you in you own home if required.

Once we have a better understanding of you, your current situation and your financial circumstances, our process consists of getting to know where you want to get to, the type of property you’re looking at and the price of the property. This will help us assess your circumstances and show us the best way to proceed. Once we fully understand your personal situation, we then search the entire mortgage market to find the right mortgage for you, comparing various aspects including lenders criteria, affordability and deposit percentage. Whether you’re a first-time buyer, looking to remortgage or even searching for a second home, we will work with you every step of the way to get the right mortgage for you.

While finding the best rate online is easy, finding out different lender’s criteria, how much they will lend you or if they will lend to you at all can be more difficult. Many lenders take different amounts of your income into account and if you have overtime or commission no two lenders will be the same. That’s where we come in.

Sage Independent are keen to help anyone looking for mortgage advice, whether they are buying for the first time, looking for a better deal or raising money against your home including equity release. We are strong in the Buy-to-Let market again you are buying for the first time, looking for a better deal, raising money or already have multiple properties.

As whole of market mortgage advisers, we are able to source mortgages from private banks, high street banks, broker only lenders, and building societies. Most of these lenders you will have heard of but some you may not. We do this to ensure that our clients can get the most cost-effective finance solution available to them.

We are a genuinely free adviser, as we don’t charge for our advice, you can elect however to pay by fee and then you could receive the fee, which is normally paid to us by the mortgage provider.

Sage Independent can offer access to commercial loans, normally though 3^rd parties, as we do profess to be an expert in this area, but we know a man who is!

DON’T FORGET YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBTS SECURED AGAINST IT.