SFIA Mortgage Services

With so many building societies and banks clamouring for your mortgage business, you might easily be forgiven for thinking that this is something that you can arrange for yourself. And, of course, you could try to do so.

But the very range of lenders, offering a wide variety of loans with such contrasting terms are the very things that make it so difficult for most borrowers to discover what is likely to be the most suitable mortgage for them.

Should you go for a fixed-rate or capped, mortgage, a tracker or a flexible mortgage a cashback or an offset deal? The problem facing most people is that even what at first appears to be a good rate can often carry unexpected costs, such as a larger than usual arrangement, or penalties that apply should you wish to repay the mortgage early.

And in some cases, repaying part of the loan at the wrong time of the year can mean you are wasting money; you will receive no benefit in terms of lower interest costs until the end of the year.

That is why discerning borrowers come to SFIA for:

• New mortgages – first time buyers and movers;
• Re-mortgages – to get a better deal; and
• Re-financing deals – to cover home developments or even school fees.
• School fees.