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The mortgage market can appear complex and bewildering and the choices you make at outset can have a significant impact on your finances for many years to come.

It is for this reason that quality on mortgages advice is vital to ensure you understand the choices available to make an informed decision. Perspective (North East) has experienced, specialist and reliable mortgage advisers to help you do exactly that.

We spend the necessary time to understand your particular objectives and search the market to identify the most suitable mortgage for you. This involves considering a number of issues to identify the most suitable product, starting with Fixed Rates versus Variable Rates, an analysis of interest rates, and any other relevant factors, such as tie-in periods and redemption penalties.

We are able to advise anyone requiring borrowing for property purchases, regardless of whether the property is a main residence, holiday home or buy-to-let (a tricky area due to the stamp duty changes). The team are also able to advise on appropriate protections and insurances and, in terms of interest-only mortgages, suitable repayment vehicles.

Your home or property may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice and the precise fee amount will depend upon your circumstances.

Equity Release

We hold special Financial Conduct Authority’s permissions to be able to advise in respect of Lifetime Mortgages and Home Reversion Plans and have experience in this. For the right circumstances, these plans can be used to release equity which has accumulated in your property.

This is a lifetime mortgage or home reversion plan. To understand the features and risks, ask for a personalised illustration.

If you have a query or you wish to find out how we can help you, please contact us on 0191 217 3340 or email enquiries.northeast@pfgl.co.uk.

Registered in England and Wales No 04163906. Registered Office. Paradigm House, Brooke Court, Wilmslow Cheshire. SK9 3ND
Perspective (North East) Ltd is authorised and regulated by the Financial Conduct Authority.
Perspective (North East) Ltd is a subsidiary of Perspective Financial Group Ltd.

Should you have cause to complain, and you are not satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows:
The Financial Ombudsman Service Exchange Tower,
London, E14 9SR
Tel: 0800 023 4567 or 0300 123 9 123
www.financial-ombudsman.org.uk

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