Helping You Find the Right Support

Mortgages

Everyone’s circumstances and property plans are different. Whether you are buying your first home, moving, investing or dealing with a more complex situation, S&S Home Journey can introduce you to an experienced appropriately authorised mortgage adviser who can discuss your circumstances and available mortgage options.

SPEAK TO A MORTGAGE ADVISER

S&S Home Journey makes the introduction only. Mortgage advice, recommendations and regulated mortgage activity are provided separately by the appropriately authorised mortgage adviser.

How We Can Help

A straightforward introduction can help connect your property plans with specialist, regulated mortgage support.

Tell Us About Your Plans

Contact S&S and explain what you are hoping to achieve, whether you are buying, moving, investing or reviewing an existing mortgage.

We Make the Introduction

Where appropriate, we can put you in contact with an experienced appropriately authorised mortgage adviser.

Discuss Your Circumstances

The adviser can assess your individual circumstances, needs and objectives and discuss mortgage options that may be appropriate.

Mortgage Application & Property Journey

If you choose to proceed, the adviser handles the regulated mortgage advice and application side while S&S can continue helping with the property journey where applicable.

Mortgage Options for Different Circumstances

Different buyers and homeowners can have different requirements. An appropriately authorised mortgage adviser can assess the full circumstances before explaining potentially suitable options.

First-Time Buyer Mortgages

An adviser can help first-time buyers understand affordability, deposits, mortgage options and how an application may progress. Any initial indication remains subject to the lender’s assessment and criteria.

Home Mover Mortgages

If you are selling your current home and purchasing another, an adviser can review your circumstances, any existing mortgage and the borrowing requirements connected with the move.

Remortgages

Homeowners may consider remortgaging for different reasons. An adviser can review the current position and assess whether available options may be appropriate for the individual circumstances.

Buy-to-Let Mortgages

Property investors and landlords can face different lending requirements, affordability assessments and specialist criteria. Independent advice can help explain how those requirements may apply.

JBSP — Joint Borrower Sole Proprietor

In some circumstances, and subject to lender criteria and advice, a JBSP mortgage may allow another person’s income to be considered while the property is owned by the named proprietor or proprietors. Suitability and wider implications should be discussed with the mortgage adviser and independent legal or tax professionals where appropriate.

Self-Employed / Company Director Mortgages

Being self-employed or a company director does not automatically prevent a mortgage application, but lenders may assess income, accounts and trading history differently. An adviser can review the individual position and documentary requirements.

Islamic Mortgages / Sharia-Compliant Home Finance

For clients seeking an alternative to a conventional interest-based mortgage, a mortgage adviser can discuss available Sharia-compliant home finance options and how their structures may differ. Availability and suitability depend on individual circumstances and provider criteria, and any advice is provided by the appropriately authorised mortgage adviser.

More Complex Circumstances

Some clients have circumstances that do not fit a straightforward high-street application. Rather than assuming a mortgage is unavailable, a mortgage adviser can assess the facts, explain potential routes and make clear where lender criteria may limit the options. No mortgage or acceptance can be guaranteed.

Not Sure Which Option Applies to You?

You do not need to know which mortgage type you need before contacting us. Tell S&S about your plans and, where appropriate, we can introduce you to an appropriately authorised mortgage adviser who can assess your circumstances and explain options that may be suitable.

Connected support

Mortgage Support + Property Search

If you are also looking to purchase a property, S&S can help with the property side of your journey while the mortgage adviser handles the regulated mortgage advice.

This helps keep the different parts of the home-buying journey connected without suggesting that S&S provides every professional service itself.

Property Searching & Sourcing

Suitable Property Opportunities

Viewings Where Applicable

Offers & Communication

Transaction Progression

Mortgage Adviser Support

Important Mortgage Information

S&S Home Journey does not provide mortgage advice. Where appropriate, we can introduce clients to appropriately authorised mortgage advisers who are responsible for the mortgage advice and recommendations they provide. Mortgage availability and lending decisions are subject to individual circumstances and lender criteria. Clients remain free to choose their own adviser.

Clients remain free to decide whether to use an adviser introduced by S&S Home Journey and may choose their own provider. No lender relationship, rate, borrowing amount, acceptance or outcome is guaranteed.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Need Help With Your Mortgage Options?

Tell us about your plans and we can help put you in contact with an experienced appropriately authorised mortgage adviser who can discuss your circumstances and options.

PUT ME IN CONTACT WITH AN ADVISER CONTACT S&S