Professional mortgage services and mortgage advice in Derbyshire

There are so many different options available for your mortgage that it can be difficult to focus on the right solutions. It is highly recommended that you seek independent advice from a qualified financial consultant before choosing your mortgage. We offer a range of mortgage services covering all aspects of mortgage advice and financial consultancy including, first time buyers, remortgages, home movers, life insurance, critical illness cover, buildings & contents insurance and income protection. Our friendly and knowledgeable mortgage advisers will be there for you at every stage in the process and are always happy to help.

About 3i Financial Services

We are a firm of Financial Service consultants based in Derbyshire, UK. We provide advice to both individuals and companies on certain aspects of financial planning, through a long term approach of fully understanding our clients' needs, wants and aspirations and then prioritising objectives.

As advisers, we can help you arrange suitable contracts to suit your requirements. We have many years of experience in finding the most suitable solution for our clients' needs.

We provide advice and help following a personal / business financial review which can take place at a convenient time and place. Usually a review will start with a very broad discussion of your concerns and aspirations.

Following your initial review, we will take time to consider your situation, needs and priorities before writing a financial report. We will discuss this in a follow up meeting, or call, in which we'll fully explain our recommendations and agree affordable priorities to assist you in achieving your objectives.

Our charges can be structured in several ways. Some of our clients prefer a fee-based approach, whilst others are more comfortable with a commission basis. Either way will result in our fully disclosing our fees in an open and transparent manner.

Mortgages

Trying to find the right mortgage product is not easy as there are thousands of mortgage products available on the market that are catered for different circumstances.

Making a choice in which mortgage to choose from can be confusing. We make the products simple and clear for you presenting the options so you can understand the products that are available to you.

Remortgaging

Remortgaging is the process of switching your existing mortgage to another mortgage lender, in order to lower the amount you're paying on your mortgage.

You are not obliged to stick with your original lender for the full mortgage term, and you can move to another lender at any time to get a lower interest rate - you don't have to be buying a new home. Remortgaging could save you hundreds or even thousands of pounds over the term of the mortgage. It is important to note that early repayment charges may be applied by the existing lender.

We will be pleased to help and advise you further on how to switch and save.

Buy To Let

Lower rates should be benefitting the existing investors as it has fallen on to their lender's standard variable rate, however, new mortgage deals remain expensive and industry experts acknowledge that now is a tough time for buy to let. However, with lower property prices, it's still tempting for those who stick to the tried and tested method of investing for rental returns rather than capital growth.

If investors are willing to see the value of their property slide in the short term and ensure their property meets the criteria of at least 75% to 80% loan-to-value and returning 125% of monthly mortgage payments, buy to let can continue to be a good long-term investment.

Not all forms of Buy to Let mortgages are regulated by the Financial Services Authority

First Time Buyers

The prospect of buying your first home is both daunting and confusing. Our aim is to guide you through the move from start to finish so that you understand exactly what the purchase entails and how much it will cost. We can recommend the services of local solicitors to assist in this process.

Over the past few years, the property market moved very fast and led to significant increases in property prices. This made it very difficult for many people to afford to buy a home, particularly for first time buyers.

During the credit crunch which started in 2007 property prices dropped considerably making housing more affordable, however, in 2009 house prices started to rise again. The effects the credit crunch has had on the property and mortgage markets has created challenge for all.

Business Finance

Having this approach allows business to have cash available but at the same time cash to be invested back into the business for example equipment which is required for the day to day operation The alternative is to commit significant sums of capital investing in equipment at a time when the old saying ‘cash is king' holds true even more than ever.

Trading Since

2008