- Preferential rate of £249 per mortgage, payable when you have received a suitable mortgage offer*
- Expert mortgage advice from specialist mortgage advisers
- Guidance through the application process, ensuring that you secure the mortgage you need at a competitive rate
Your mortgage is likely to be your biggest financial commitment and your home may well become your biggest financial asset. It therefore pays (quite literally) to get it right. Boundless members have access to independent mortgage advice for a preferential fee from Lighthouse’s specialist mortgage advisers, Lighthouse Mortgage and Protection Solutions, who can find you the right mortgage whatever your situation:
- moving home
- first-time buyers
- raising capital
- buy to let
- right to buy
- buying a second home
- equity release
Your adviser will help you work out how much you can afford to borrow, which type of mortgage best suits your needs, and then find you a competitive deal.
Lighthouse will also guide you through the entire application process, right to successful completion. As well as finding you a suitable mortgage at a competitive rate, they’ll tell you about other costs you’ll have to pay, and guide you through the entire application and approval process. They’ll also recommend ways of protecting your mortgage payments against the unexpected.
Lighthouse may be paid commission by the lender, usually 0.2% – 0.4% of the mortgage. For a £100,000 mortgage they would receive £200 – £400. Your home may be repossessed if you do not keep up repayments on a mortgage or other loans secured on it. Commercial and business buy-to-let mortgages are not regulated by the Financial Conduct Authority.
Lighthouse Mortgage and Protection Solutions is part of Lighthouse Group, one of the largest providers of expert financial advice in the UK. Tens of thousands of people around the country rely on their advisers to make their money work harder.
They can help you make the most of your money whatever your circumstances.
Advisers benefit from the extensive resources and expertise of Lighthouse Group, which is part of the Quilter group of companies. This includes investment research and best practice, pension issues, funding long-term care, releasing equity from your home, mortgages and employee benefits.
Their success is built both on the quality of their advice and a strong local presence with advisers covering most areas of the UK, so there should be an adviser near you. He or she will work with you in the way that suits you best, meeting you at home, at work, at a suitable local venue or contacting you by phone.
* This fee may be offset against their fee for any additional advice about insurance and protection policies that you take out through Lighthouse when taking out your mortgage. You are also likely to have other costs to pay, for instance legal and lender fees.
Lighthouse Financial Advice Limited is an appointed representative of Lighthouse Advisory Services Limited which is authorised and regulated by the Financial Conduct Authority. Lighthouse Financial Advice Limited and Lighthouse Advisory Services Limited are wholly-owned subsidiaries of Lighthouse Group Ltd, which is part of the Quilter group of companies. Lighthouse Financial Advice Limited is registered in England and Wales No 04795080. Registered Office: 85 Queen Victoria St, London EC4V 4DP.