Buying a home is the largest purchase most people are likely to make and taking out a mortgage is likely to be the biggest financial commitment people are likely to make. It is important therefore that professional advice is taken at all stages of the the house purchase process.

We have team of qualified and independent mortgage advisers that can help you decide whether a repayment or interest-only mortgage is most suitable and whether your interest rate should be fixed or variable. They will assess how much you can afford to spend and therefore the maximum amount you should consider borrowing.

The amount of deposit you can provide is important as the higher the percentage of the purchase price it is the lower the interest rate you will likely be offered. Other costs will include valuation fees, arrangement fees, legal fees and early repayment fees.

We also provide advice and arrange mortgages for those purchasing investment properties both as a single investment and as part of a portfolio of properties.

Your home may be repossessed if you do not keep up the repayments on a loan or other mortgage secured on it.

Cestrian Life & Pensions Limited is an appointed representative of LJ Financial Planning Limited, who are authorised and regulated by the Financial Conduct Authority (FCA), 12 Endeavour Square, Stratford, London, E20 1JN. Our firm reference number is 507741, LJ Financial Planning reference number is 429142.