Need help and advice finding the right mortgage deal

According to Unite, 82 per cent of people struggle to make their wages last a month – one way to help reorganise your outgoings is to seek mortgage advice from First Choice Finance.

The union found in summer 2012 that people needed to resort to payday loans, second jobs, dipping into savings and asking for help from friends and family to help make ends meet, but getting advice could lead to a restructuring of your debts which should make them more manageable.

This can work by you taking on a new mortgage to replace your current house repayment plan – even if you`ve not had a perfect credit rating in the past, First Choice Finance can help you to get a deal that could really reduce your monthly outgoings.

One thing to bear in mind when using mortgages or remortgages to consolidate your debt is that lowering your payments will probably mean that they will need to be paid back over a longer period, which may require you to pay more interest in total over the course of the loan.

Of course, you don`t only have to seek mortgage advice if you want to reorganise your outgoings – anyone with a property can benefit from seeking help from our finance professionals in order to find them a better deal.

That`s especially useful if you`re coming towards the end of your existing mortgage deal, as once that term expires, you`ll automatically be put on your existing lender`s standard rate, which may be more expensive than what you currently pay.

Avoid this by coming to First Choice Finance for mortgage advice – call from a landline on 0800 298 3000 or from a mobile on 0333 003 1505 alternatively fill in our short on line form at firstchoicefinance.co.uk.
 

Homeowner Secured Loans 9.8% APRC. Representative example: Borrow £50,000 over 180 months. 60 months at 8.1%, £497.83 pcm fixed at 60% LTV. Then 120 months at 10.1%, £539.89 pcm variable. Total payable £94,656.60. Total cost of credit £44,656.60 (including: £795 lender fee, £985 broker fee & £42,876.60 interest). First Choice are tied to certain loan providers.

Mortgages & Remortgages 8.4% APRC. Representative Example: Borrow £120,000 over 25 years at 5.99%, £778.86 pcm fixed for 3 years at 60% LTV. Then at 8.75%, £974.86 pcm, variable for 22 years. Total payable £286,416. Total cost of credit £166,416 (including: £985 broker fee, £999 lender fee & £164,432 interest)

Unsecured Personal Loans REPRESENTATIVE 49.9% APR (VARIABLE) First Choice are tied to certain unsecured lenders.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Security is required on immovable property.

Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk

Established In 1988. Company Registration Number 2316399. Authorised & Regulated By The Financial Conduct Authority (FCA). Firm Reference Number 302981. Mortgages & Homeowner Secured Loans Are Secured On Your Home. We Advice Upon & Arrange Mortgages & Loans. We Are Not A Lender.

First Choice Finance is a trading style of First Choice Funding Limited of 54, Wybersley Road, High Lane, Stockport, SK6 8HB. Copyright protected.