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Mortgages

At Roberts & Co Financial Planning we believe that the most important purchase of your life deserves special care and attention in order to find the right mortgage to suit you.  We offer 'whole of market' advice which means that we have no ties with any particular lender.  We search the market so that you can apply for the mortgage which best suits your financial circumstances.

Our work does not stop at the mortgage application.  We will liaise with your solicitors and estate agents to make sure that the whole transaction goes through as smoothly as possible.

We also offer a full mortgage review service which allows us to assess the mortgage market and find the right mortgage deal to suit your current circumstances.  So whether you are looking to make any extra home improvements, consolidate some debt or just find a better mortgage rate for your existing mortgage balance, we can find the right deal for you.

Our advisers have a personal mobile with 24 hour voicemail so that you have one point of contact should you have any queries.

Mortgage Calculator- The monthly repayment shown is for a Capital and Interest mortgage (Repayment Mortgage). This information does not contain all of the details you need to choose a mortgage. Make sure that you read the separate key facts illustration before you make a decision. The information provided by this mortgage calculator does not constitute a formal mortgage offer.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. You may have to pay an early repayment charge to your existing lender if you re-mortgage. The overall cost for comparison is 6.7% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances, but we estimate it will be £199.00. You have the option to pay us a fee and receive any commission which we are paid by the lender. If you choose this option we estimate that the fee will be £995.00.

Use the Personal Budget Planner to record what you really spend each month!

If you have previously used our Budget Calculator the results will be shown at the bottom of the page; that way you can compare what remains of your budget against what a potential mortgage might cost.

Finally if necessary you can re-work your planner to see where you can make some savings.

Net monthly income (after tax)* £
Monthly Personal Costs  
Memberships (e.g. gym, golf, club) £
Health costs (optical, insurance, dental) £
Mobile Phone £
Car loan & running costs (e.g. insurance, servicing, tax, AA, MOT) £
Recreation & Socialising £
Other loan/credit cards £
Personal Savings (e.g holiday fund) £
Pension & Insurances (e.g life insurance, income protection) £
Misc (e.g. clothing allowance) £
Monthly Home Costs
Groceries £
Power & heating £
Water rates £
Council Tax £
Phone £
TV Licence & packages (e.g. Sky) £
Internet Services £
Home Insurances (e.g buildings & contents, mortgage protection) £
Home maintenance, repairs & decorations £
Child Care £
School Fees £
Household entertainment £
Mortgage/Rent (if in addition to new loan) £
Endowment/ISAs (if to be continued) £
Household Loans (e.g. home improvement) £
Household Savings (e.g. Wedding fund) £
Misc 1 £
Misc 2 £
Misc 3 £
     
Monthly Budget  
Net disposable income £