Expert Mortgage Advice
Choosing to buy a property may be one of the biggest financial decisions you’ll make in a lifetime. It is for this very reason that impartial advice is critical from a qualified mortgage advisor.
Whether you are a first-time buyer, looking to re-mortgage, or even looking to purchase a second home, this is where Thomas & Co excel. We know that no two clients are the same, so we guarantee reliable mortgage advice tailored to your individual circumstances.
Lifetime Mortgage (Equity Release)
Equity release is a way of unlocking the value of your home and turning it into a tax-free, cash lump-sum.
Thomas & Co are pleased to offer equity release plans to people over the age of 55 with a minimum house value of £70,000. We visit you in the comfort of your own home and encourage family members to be at the meetings too.
Over 55’s Mortgages
They say age is just a number, but when it comes to a mortgage your age can put a halt on the process. We pride ourselves in being able to help those later in life secure a mortgage or re-mortgage to a competitive interest rate.
If you are between 55 and 89 and looking to reduce your monthly outgoings, or raise finance, a mortgage / re-mortgage could help you do this.
Bridging & Development
Thomas & Co are able to help both individuals seeking finance to build their forever home to developers / builders looking to secure finance to build out a development. Thomas & Co have lenders who will lend against the GDV (End Value) of the site.
Self-build mortgages are set up where the monthly payments are on an interest only basis with the money released on draw-down throughout the build.
At the end of the build and with the sign off from the City Planning Officer, the loan is swapped to a repayment mortgage, usually with the same lender which is set up at the start of the loan, ready to slide into place upon completion of the build.
Buy To Let Mortgages
Becoming a private landlord can be a sound investment & a way to secure your financial future.
When buying a property to let, you will need to decide whether your primary objective is income or capital growth. In other words, are you looking to make a profit month on month, or looking to make a profit through increased equity if the property increases in value over time?
Protecting your family with the right insurance policy is also very important to us. We offer the most suitable, affordable Life Cover to help protect you and your family should a life changing condition suddenly arise through Death or the diagnosis of a terminal illness.
We have helped people obtain life insurance who have experienced life changing illnesses, such as Type 2 Diabetes, Heart Attacks an certain types of Cancer.
Once we know what type of illness you have experienced, we can search the whole market to find the most suitable insurance company to cover your needs.
About Thomas & Co
About Thomas & Co
Thomas & Co was set up in 2010, with the ethos of offering the very best Independent Mortgage Advice. We believe that everyone, regardless of age or personal circumstance should have access to a mortgage that is suitable to their needs.
Being Independent, Whole of Market Financial Brokers enables us to offer the best deals to our customers.
We have helped hundreds of clients obtain the lowest mortgage rates available to them, including those with a poor / challenging credit history
Our friendly team are based in Hinckley, Leicestershire. We offer in-house services along with home visits to 7pm.
Your Home May Be Repossessed if You Do NOT Keep Up Repayments On Your Mortgage.
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