Your journey home starts here.
Anybody who’s ever looked into buying a home will know that this can be a stressful and time-consuming experience. After all, a mortgage is one of the largest single transactions a person can make!
A mortgage is a financial loan obtained by a lender to finance the purchase of a property. The borrower agrees to make regular payments to the lender over a term (typically 25 to 30 years, though the length of time can vary), and includes both the borrowed amount and interest. Mortgages play a fundamental role in helping people to purchase property by making home ownership more attainable by spreading the cost over an extended period rather than purchasing up-front.
Whether you’re a first time buyer, looking to remortgage, or exploring buy to let possibilities, finding the best product suited to you can be difficult. That’s where we come in!
Mortgages by Greenfields
At Greenfields, our team of experienced advisors is dedicated to providing you with expert guidance and personalised solutions tailored to your unique circumstances. From a complimentary, no-obligation consultation, either at our offices in the heart of Dorset or the comfort of your home, we thoroughly assess your financial situation to source a variety of mortgage and protection options to suit your needs.
With a commitment to transparency, independence, and keeping your best interests at heart, we guide you through every step of the mortgage application, ensuring you’re well-informed and supported throughout the process. Your dream of owning a home or securing a property investment is our priority, and we’re here to help you achieve it.
The Benefits of Mortgages
The process behind releasing equity from your estate may seem complex and daunting at first, but we aim to make it as simple as possible. By utilising equity release through us, you may experience benefits such as:
Owning a home doesn’t need to be an impossible dream. Mortgages allow people to become homeowners, providing the opportunity to build equity over time rather than paying rent to a landlord.
Mortgages are typically 25 to 30 years, making it more feasible for people to borrow in order to afford bigger, and therefore more expensive, properties.
Fixed-rate mortgages provide predictability and stability in monthly payments, helping borrowers budget effectively.
As mortgage repayments are made, homeowners build equity (the portion of the home they own) in their property. This is especially important as property prices rise.
Property values historically move upwards, leading to potential appreciation in the home’s value over time. This provides an opportunity for financial gain and building wealth through property.
Real estate is often a valuable asset, and a mortgage allows borrowers to leverage their funds by borrowing to purchase another property and potentially benefit from rental income.
Ready to open the doors to
your home ownership goals?
The Greenfields Mortgage Process
Our mortgage process looks the same from the outset, but everything within it is always tailored to you. Our process looks like:
No Obligation Free Consultation Meeting
This free, no obligation meeting allows you to get to know us while we get to know you. Feel free to ask us any questions you may have, whether we meet in our Dorset offices or at your home either during the day or in the evening.
We then make a detailed assessment of your income and the amount you typically spend per month. This allows us to tailor a mortgage to you and your individual circumstances.
We use the information we gathered at our meeting and during our fact finding exercise to source possible mortgage options and protection solutions (if required) from our whole of market access.
At our second meeting, we go through what we have discovered and our potential options, aiming to agree on the mortgage (and possible protection) products you require.
We will submit your application to the mortgage/protection company, taking the burden of extensive paperwork from you.
We monitor your application’s progress and answer any questions the lender has, keeping you updated along the way.
Your Mortgage Questions Answered
Yes, we certainly can. We look into options such as fixed, tracker, offset, capped, and discount to find the product that suits you best, as well as the term that best fits your requirements.
Yes, we do! Whether you’re considering buy to let, a holiday home, or a commercial property, we provide advice on these and more as well as a wide range of protection and general insurance products.
It’s important to remember that securing a mortgage is secured against your home, and failure to keep up with repayments could lead to repossession.
Not necessarily. Whatever your current position, be it employed, working two jobs, or purely relying on bonuses as income, we endeavour to help you in securing a mortgage.
Why Choose Greenfields?
Dedicated to You
and What We Do
We put people over profits, making sure your needs always come first.
As a team we’ve won numerous awards, including Justin’s win for Top Rated Independent Mortgage and Equity Release Advisor 2023.
As independent advisors, our advice is free of bias and not based on commission.
Greenfields: Guiding You Home
At Greenfields, we’re passionate about helping people get into their own homes and living the lives they want. Whether that’s your first home to live in, an investment property, or a commercial property, we get to know you and your goals to ensure your needs are met. Being truly independent advisors means that you can be sure that the advice and service you receive is free of bias and is not product or commission-led. Instead, we work purely for you and have your best interests at heart. If you’re ready to see how we can help, book a call with our experienced and knowledgeable team today.