Buying a home is one of the most expensive purchases you’re ever likely to make, which is why it’s so important to get good advice when doing so.  This is even more true for first time buyers stepping onto the property ladder as all the rules, options and associated costs are new.
Our experienced mortgage advisers will guide you every step of the way – from initial assessment of what you can afford in terms of overall mortgage and monthly repayments, through choosing a specific product that’s right for you and taking care of the application process.  At each stage we’ll make sure you understand what’s happening and what will happen next, using simple jargon-free language and answer any questions you may have.

The UK government established the Help to Buy scheme to help those who work hard and pay taxes to get onto and up the property ladder. The Help to Buy scheme is a collective name for a selection of government support initiatives. Please note that terms and conditions apply to all of these schemes.

If you’ve got a mortgage but want to move from your property, this should be relatively easy, as most mortgages are portable.  You can transfer them from the property that you originally borrowed against to the home to which you want to move.

Moving home, however, is often an opportunity to look around for a better mortgage deal.

It is essential to get the right advice and our team of experts will be able to help you with this.

There are many reasons why you might consider a remortgage. You may want to reduce your monthly payments and save money, protect your finances against potential rate rises, or release equity you’ve built up in your home.
Changing mortgages can be daunting.  Black Swan is here to make the process as easy as possible for you. The team assists you every step of the way and keeps everything moving as smoothly as possible from start to finish.

A buy to let mortgage is a loan for purchasing or refinancing residential property which is let to tenants rather than lived in by the borrower. Classed as a business transaction, rates and fees are typically higher than those you would find with a standard residential mortgage.

It is important to consider mortgage protection to make sure the debt will be repaid if you die, suffer a terminal illness or are diagnosed with a critical illness covered by the plan.