First Time Buyer Mortgages

Buying a home requires important decisions to be made. It is often the case that special criteria needs to be considered before a new buyer takes their first steps up the property ladder. In order to make these decisions clear and the criteria visible to you, a Percom Adviser will be assigned to your case. Their job will be to assist you through the home buying process; as well as to ensure you receive the right guidance and advice to make your final decision.

Home-mover Mortgages

Homeownership has long been assigned to growing wealth and attainment. It remains the dream of many millennials, to crown their upward status with the purchase of a new home. But it is often the case too, that unforeseen circumstances cause them and their ‘baby-boomer’ parents to sell these homes. The reasons behind such sales are varied, abrupt and emotionally charged. At Percom Financial Services, we understand that there are many considerations to be made before someone commits to selling their home and move on; that’s why we are here to help you through this process.

95% Mortgage Guarantee Scheme

What is a 95% mortgage? A 95% mortgage allows you to borrow 95% of the property’s purchase price from a bank or building society (the lender) while the final 5% is covered through your deposit.  Bear in mind that with a lower deposit, interest rates on mortgages may be higher than those with a larger deposit; because lenders view 95% mortgages as higher risk. Confused by our explanation? Not to worry: a Percom advisor will guide you through this process whenever it becomes necessary. Just rest assures that we have expertise on this particular ‘guarantee scheme’.

Property Re-mortgages

Do you have an interest in re-mortgaging your property? Would you like assistance with the legal requirements that often follow this process? Particularly, do you need help in: the examination of your title; liaising with your current lender as it regards the repayment of your existing mortgage; and reporting to your new lender to enable the garnishment of your wages for your new mortgage? If you answered yes to any or all of the questions above, we are happy to serve you. One of our representatives or advisors are more than happy to guide you through this complex and laborious process.

Invest to Let

**Invest to let and buy to let are the synonymous terms assigned to the process where a property is bought for the sole purpose of renting or letting it out to tenants. An investor in “buy to let” often makes a direct purchase for the property they will rent or they will apply for a mortgage that will cover their letting intentions. At Percom Financial Services we have access to a team of experts skilled to help you in this type of investment. Please note this service is offered via referral to 3rd party partners.

The Financial Conduct Authority does not regulate some forms of Buy to Lets.

**Commercial Financing
Commercial Financing is offered by referral to a third party.
If you have any questions about our disclaimer or the services we offer, please don’t hesitate to contact us. We would be happy to chat with you about your options and help you find the most suitable product for your needs.

Insurance and Protection

Do you want cheap building and contents insurance? What about income and illness protection? If you answered yes to one or both of the questions above, we are happy to serve you. One of our representatives or advisors are more than happy to guide you through this complex and laborious process.

Conveyancing Services

We have a range of conveyancers who can provide a competitive quotation for purchases, sales or remortgages.  With such choices, we are able to guide our customers to the best firm that has the capacity to take on their case and provide them with the exceptional service they have come to expect from any company that is associated with us.

This service is offered by referral to a third party. Check My File offers a 30-day free trial which is £14.99 a month thereafter and can be cancelled at any time. Please be aware that by clicking on to the above links you are leaving the Percom Financial Services website. Please note that Percom Financial Services Ltd nor HL Partnership Ltd are responsible for the accuracy of the information contained within the linked site(s) accessible from this page. Please note that we may receive a commission from purchases made through the following link.

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