Please note that we have had to, unexpectedly, change providers of this valuable information. We apologise for the disruption this may cause. In the meantime, Please forward us an enquiry and we will source the whole of market for you personally.

MORTGAGES MADE EASY

Despite the tough times in the financial sector, there are many great mortgage products and rates available.

Whether you are a first time buyer, self employed, need to release equity from your property, are an ex-patriate, have poor credit*, or just simply looking for a better rate of interest, we can help you find the right mortgage.

We constantly monitor the products and service from our lending partners to ensure they remain at the leading edge in the mortgage market at all times.

We have qualified specialist mortgage consultants who can provide a free consultation service and can advise either over the phone or in person in our Horsham offices (normal office hours). Appointments can be made for home visits.

In some instances, we arrange and control property valuations and collation of all necessary enquiry paperwork in-house.

We give you access to all types of mortgage products ensuring that we meet your specific requirements. Whatever your circumstances, AToM can help.

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FIRST TIME BUYER

If you are currently living with parents, friends or renting in private or local authority accommodation and are looking to purchase your first home, AToM can help.

Our fee free consultation service with one of our specialist mortgage consultants will provide you with all the information you will need.

We can advise on all aspects of, interest rates, repayment types, terms and conditions, and legal considerations such as stamp duty.

We also have access to exclusive products with high income multiples to help you get on the first rung of the property ladder. Some of our products are fee exempt saving you money on legal and valuation costs.

For more information or to apply, please call 01403 27 26 25, request a call back, or complete an enquiry form!

MOVING HOME

Aside from divorce and death, moving home is considered one of the most stressful of life’s experiences!

At All Types of Mortgages we aim to reduce the stress involved in the process by providing you with clear advice and keeping you informed and updated at all stages of your mortgage application.

Our case managers appreciate the importance of your application and the need for a speedy and efficient service, as do our lenders.

Why not give AToM the opportunity to take away the stress and help you obtain the mortgage you want at the same time?

We offer market leading products at all times and can provide advice for you on:

- Fixed Rates
- Base Rate Trackers
- Discounted Rates
- Off-set mortgages
- and others

For more information or to apply, please call 01403 27 26 25, request a call back, or complete an enquiry form!

REMORTGAGING

It is estimated that: 60% of all mortgage borrowers are currently on Standard Variable Rate (SVR) which (on a £100,000 mortgage) could be costing you up to £1,500 per year too much!

Whether you are seeking to raise funds to pay off debts, to purchase a second property, to pay for a new car or simply to obtain a better interest rate, AToM can help.

The AToM lender panel can provide remortgage funding for any legal purpose (including fee-free options*).

Our specialist consultants can advise you on all aspects of the remortgage process from initial discussion through to the completion of the mortgage advance.

We can obtain speedy in principle decisions on any mortgage, often within an hour and always within 24 hours.

Call us to find out the latest deals available and whether you are eligible.

- Fixed Rates
- Base Rate Trackers
- Discounted Rates
- Off-set mortgages
- Buy to Let and others

*terms and conditions may apply.

For more information or to apply, please call 01403 27 26 25, request a call back, or complete an enquiry form!

BUY TO LET

Planning for retirement

Many people in the UK are not sufficiently planning for their retirement.

Also there are a large number of pensions and endowments, which may fail to perform to target or pay out as originally expected. As a result more and more people are purchasing property to let as a flexible and controllable means of planning for retirement and for a medium to long-term investment.

Letting as a long term investment*

With repayment terms ranging from 5 to 30 years, many people are looking at buy to lets as a viable long-term alternative to traditional investments vehicles.

A second income from property*

By investing in property a modest monthly return over and above the mortgage payments can be drawn as additional income or (with a flexible loan) can be used to “overpay” the mortgage.

This can lead to early redemption and a nice profit once the mortgage debt has been re-paid.

You may choose to find out more about buy to let loans for one or all of the above reasons.

Even if you are merely curious and wish to find out more, call us on 01403 27 26 25 and speak to one of our qualified specialist consultants.

*check tax implications with your professional adviser

CREDIT PROBLEMS

Have you experienced credit problems in the past?

- Missed or made late payments on your mortgage?
- Incurred a County Court Judgement?
- Defaulted on a credit agreement?
- Entered into an Individual voluntary arrangement (IVA)?
- Been repossessed?
- Been discharged from a bankruptcy order?

If the answer to any of the above is yes, AToM may be able to assist you in obtaining mortgage funding at rates, which may be lower than you expect.*

It is vital however that you contact one of our Specialist Mortgage Consultants to advise and discuss with you the impact of your previous credit history in relation to your mortgage needs.

It may also be advisable prior to these discussions to obtain a copy of your credit file in order to ascertain your credit profile. Your report can be obtained by contacting either:

CHS Experian
PO Box 8000
Nottingham
NG1 5GX
Tel: 0870 241 6212

Equifax Credit File Advice Centre
PO Box 1140
Bradford
BD1 5US
Tel: 0870 010 0583

Both organisations make a small charge for their services.

Alternatively, your report can be obtained for free (30day trial) by clicking here.

* Typical APR 7.9%

For more information or to apply, please call 01403 27 26 25, request a call back, or complete an enquiry form!

EQUITY RELEASE

What is Equity Release?

It is a potential way for homeowners aged over 55 years to raise cash without moving home.

Equity release provides a valuable option for people in retirement who may be wishing to consolidate debt or to provide additional income. But it must always be considered alongside other financial options in the light of individual circumstances.

There are 2 types of equity release:

• Lifetime Mortgage – where a mortgage is charged against the property but interest is accrued and compounded (i.e. the debt increases year on year).



• Home Reversion – where you sell all or part of your interest in the property for a cash sum but remain living in the property as a life tenant(s).

The above is a broad oversight of what is possible but if it is a concept you wish to explore you should ensure that you take appropriate professional advice.

AToM Equity Release can provide this: Our advisers have considerable experience and with particular reference to your situation will explain and guide you through the maze of information before making any recommendation to you.

In principal interest payments and capital are not required to be repaid until sale of the property.

The initial amount of cash available is calculated as a function of the applicant’s age relative to the value of the property e.g. a borrower aged 56 may be able to borrow a maximum of 22.5% of the property value where as an applicant aged 74 may be able to borrow up to 41.5%. These figures are a guide only and for joint borrowers will be different based again on ages.

Many lenders who provide funding are members of SHIP (Safe Housing Income Plans) who provide a no negative equity guarantee amongst other benefits and features. You should look to work with a recognised lender in this field.

In general there is no one indvidual answer but equity release could provide the right solution for you at time when other income and capital options are under strain.

Interested? Then for independent and impartial information come along to one of our free seminars(*) on a Wednesday afternoon or Saturday morning (limited parking available) alternatively book an obligation free personal consultation by calling AToM Equity Release on 01403 27 26 25.

* Please ring to check availability.

BRIDGING FINANCE

Bridging finance is a short term funding solution that can provide fast access to funding with the minimum of formalities and can be used for a number of different circumstances:

- To 'bridge' the finance gap between selling one property and purchasing another
- Credit consolidation
- Refurbishment
- buying dilapidated properties for renovation and sale in a short space of time
- Buying properties at auction
- Divorce settlement
- Professionals bridge finance
- Alternative to sale and rent-back
- Inheritance tax management
- Bankruptcy annulment/discharge

A bridging finance loan will be secured against your residential or commercial property. This can be by a first or second charge against new or existing property, or a combination of both.

As long as you have a property which can be used as security you are eligible to apply for loans for bridging even if you have:

- Mortgage arrears
- Bad credit history
- Been declared bankrupt
- CCJ's/Defaults
- Been refused elsewhere

Bridging finance is much quicker to arrange than a normal residential mortgage; on average 3-5 working days from first enquiry to completion.

For more information or to apply, please call 01403 27 26 25, request a call back, or complete an enquiry form!

COMMERCIAL MORTGAGES

Through AToM Commercial you can have access to the whole of market in relation to your Commercial Mortgage and Development Finance requirements.

Whether you are looking to buy you first commercial premises or looking to remortgage to a better rate, AToM Commercial can assist.

We can offer:

- Up to 80% for owner occupied
- Up to 75% for investment purposes
- 100% with additional security
- Up to 60% on a self certification basis

We have a large panel of commercial lenders who deal with all types of commercial premises.

For more information or to apply, please call 01403 27 26 25, request a call back, or complete an enquiry form!