PROPERTYPLAN: Comprehensive Property Plan

PROPERTYPLAN is our market leading property finance solution that helps you secure the right finance for your dream property or property investment portfolio. With a mortgage finance market as competitive as the UK’s it is as important as ever to seek advice from an expert. With lenders now becoming more innovative with their products, the market can be confusing to even the most financially aware. With many thousands of different mortgage products available, it is hardly surprising that finding the one that best suits your particular needs can be a challenging task. This is partly because so many competitive mortgage deals are not available from mainstream lenders in the High Street. Lots of exclusive brands are only available through professional mortgage brokers and as mortgage products are changing daily, often with special offers, discounts and limited availability, what was yesterday’s best buy might easily be beaten or withdrawn tomorrow. This is where our professional advice and guidance comes in.  Our aim is to find you the mortgage that is the most suitable to your needs, circumstances and preferences. Buying or re-mortgaging a property can be a huge decision, it is essential that you receive professional advice from start to finish. At Mamucium Capital Management, we have access to the ‘whole of the market’ which means we scour the market to find you the best deal. We will also recommend how best to arrange adequate safeguards to ensure your mortgage would be repaid in the event of unexpected financial hardship. For example, in the event of your untimely death, diagnosis of a critical illness, long term sickness or unemployment.  

Data Collection

We carefully gather detailed information on you, your current financial situation and your goals and objectives.

Analysis

A team of technical experts apply analytical and data-modelling techniques to make sense of your financial situation now and into the future.

Research

Our research activities include product research, provider research, platform research, illustration, suitability report to ensure you receive the best available products.

Strategy

With a full understanding of your current property finance situation and your priorities, we begin developing your mortgage finance strategy.

Implementation

We ensure that all of our decisions to implement truly achieve optimum balance between cost efficiency and ensuring the best possible outcome for our clients.

Ongoing Management

We work hard to ensure that your mortgage finance goals and objectives remain suitable and on track for you over many years by providing clients with an ongoing service that can include regular reviews.

What are the benefits of having a MORTGAGEPLAN?

MORTGAGEPLAN has been designed to give you the peace of mind you deserve, and the time to enjoy life, without the burden of daily mortgage finance worries.
  • Want to better manage your mortgage, but aren’t sure where to start
  • Don’t have time to do your own mortgage finance research
  • Want a professional opinion about your current and future mortgage loans
  • Don’t have sufficient expertise in certain areas such as the 2,500 available mortgage products, buy-to-let, interest only
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YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP WITH YOUR REPAYMENTS

Mortgage Types

Repayment Mortgage

This is a mortgage in which the capital borrowed is repaid gradually over the period of the loan. The capital is paid in monthly installments together with an amount of interest. The amount of capital which is repaid gradually increases over the years while the amount of interest goes down. Provided you make all your repayments up to the end of the mortgage term, you are guaranteed to clear the full amount borrowed. The majority of residential mortgages are on a repayment basis.

Interest Only Mortgage

With this type of mortgage, you pay interest on the loan in monthly installments to the lender. Instead of repaying the loan each month, you can opt to pay into a long-term investment or savings plan which should grow enough to clear the loan at the end of the mortgage term. However, if your investment doesn’t grow as planned or the property value falls, you will have an equity shortfall to fund at maturity. Opting for an interest- only mortgage whilst reducing servicing payments can therefore involve accepting a significant degree of risk. Buy to let mortgages tend to be on an interest only basis with the loan being paid off with the proceeds of the eventual sale of the property.

Fixed Rates

As the name suggest, the interest rate is set at a certain level for a set period – this is usually two, three or five years, although occasionally longer-term fixed rates are available. During that period your rate is guaranteed not to change. When it comes to an end you will usually move on to your lender’s standard variable rate or (SVR).

Tracker Rates

The rate you pay is attached to another rate, usually the Bank of England base rate. It is a set margin below or above that rate for a set period – for example, 1% above base rate for five years. During that time it moves up and down if the other rate changes. Some trackers track rates set by the lender and some track the London inter-bank offered rate or (LIBOR).

Discount Rates

The interest rate is a set margin below the lender’s SVR for a set period, and during that time it moves up and down as the SVR changes. Discount rates are normally for two or three years.

Offset Mortgages

Your savings will be offset against your outstanding mortgage. Your current account, savings account or both are linked to your mortgage. Each month, the amount in these accounts is offset against your outstanding mortgage before working out the interest you owe. You are unlikely to earn interest on your savings which are offset against your mortgage. Offset mortgages may help some people reduce the term of their mortgage.

Flexible Mortgages

Usually a variable rate mortgage, with flexible features such as allowing overpayments, underpayments and payment holidays.