Mortgages

We have access to most lenders from across the market and so can offer you comprehensive range of mortgage products available to intermediaries.

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REMORTGAGES

Remortgage means switching to a different lender and is generally considered to get a better deal after the initial beneficiary period. Other reason to remortgage is to raise capital from the increased equity of your existing property and use funds to purchase a new property or home improvements. Remortgages can be applied for residential as well as buy to let properties.

If the purpose to remortgage is only to raise capital for home improvements, you must explore other options available (e.g. Further Advance (i.e. borrowing additional funds from the same lender)) as this may cost you less overall interest payable over the term.

If the purpose to remortgage if only to get better interest rate deal, you must contact your existing lender and discuss the option of Product transfer as they may offer you a better deal by simply switching off your product.

Our experts can also advice you if remortgage is suitable for your circumstances and assist you to consolidate debts.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

THERE CAN BE AN EARLY REPAYMENT CHARGES THAT YOU NEED TO CONSIDER.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
THE FCA DOES NOT REGULATE ESTATE AGENTS, COMMERCIAL MORTGAGES, SOLICITORS AND SURVEYORS. FOR THESE SERVICES; AND
SECOND CHARGE LOANS, WE ACT AS INTRODUCERS ONLY.
THE FCA DOES NOT REGULATE SOME FORMS OF BUY TO LET MORTGAGES.
THE FCA DOES NOT REGULATE SOME FORMS OF BRIDGE LOANS.
THE FCA DOES NOT REGULATE ACCOUNTANTS AND SOME FORMS OF TAX PLANNING, AUCTION FINANCE. FOR THESE SERVICES, WE ACT AS INTRODUCERS ONLY.
FOR SECURED LOANS, WE ACT AS INTRODUCERS ONLY.

We generally charge a fee upto £1250 for advising and arranging your mortgage. We also get paid a procuration fee from the lender. In exceptional circumstances, the initial fee payable may be more or less than the fees detailed above. If this happens, we will explain the actual amount payable and the reasons why the fee is different. Once agreed, and before providing any services to you, we will confirm the actual total fee payable while explaining 'Information of our services' and 'Data Privacy Statement' during our first meeting.

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PP Associates Limited is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority. PP Finances is a trading style of PP Associates Limited.

At outset of our first meeting, we will provide your 'Information about our services' and explain you the cost and charges of our services. This will help you decide if our services are right for you and provide you details of our complaints process and regulatory information.

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Registration address : PP Finances, 42 Boxtree Road Harrow HA3 6TH

Registration number: 07836928, Country: England and Wales, United Kingdom