Financial Services

Whether it's your first time, investment time or just time for a better mortgage deal, they offer impartial, independent whole of market mortgage advice and access to every type of mortgage product available.

JP Harll are very fortunate to share the building with Financial Options, so you can look after all your house sale and your finances all under one roof! Their telephone number is 01757 709888 or check out their website: www.ifoselby.co.uk

Of course, but arranging your own mortgage online or via a high street lender does not offer you the breadth of choice that you'll find when dealing with Financial Options. They'll even show you on screen all of the solutions they're able to access and they're right there to explain why one option may be more suitable than another. You'll be able to see for yourself exactly how much they could save you per month - it might be considerably more than you think and could potentially mean more money left in your pocket every month. Maybe enough for those home improvements you've been considering, or that family holiday you've been dreaming of?

They have every conceivable mortgage product at our fingertips. Almost every available offer and every type of mortgage. They'll guide you through all of the options in person, explain the pros and cons and provide friendly, jargon-free advice on the full range of mortgage products and which one best suits your circumstances and requirements.

These include:

• Repayment Mortgages
  You pay part interest and part capital repayment each month, this way the debt is reduced until the loan is repaid at the end of the term, providing all your repayments are made in full and on time.
• Interest Only Mortgages
  You pay only the interest each month so the amount you've borrowed will still be outstanding at the end of the term.
• Fixed Rate Mortgages
  Your rate will be fixed for a set period during which your monthly payments will remain the same.
• Tracker Mortgages
  You repay a variable interest rate which usually tracks in line with the Bank of England base rate at a set margin above or below it.
• Offset Mortgages
  Typically linked to a bank account(s) with the amount in the account(s) each month being off-set against your outstanding mortgage.
• Standard Rate Variable Mortgages
  You repay variable interest rate moves in line with lenders 'default rate' which they control.
• Buy-to-Let Mortgages
  A mortgage product specifically designed to finance the purchase of a rental property where the rent received may be included in affordability calculations.

They'll make sure your mortgage is right for you, your family and your future

As a responsible Independent Mortgage Broker, they spend the time to thoroughly assess your individual financial circumstances in order to ensure that the mortgage product they recommend meets your affordability criteria.

They'll show you all of the options and help delve beneath the surface to help you evaluate the pros and cons of each solution and find the best deal for you over the longer term.

Unlike many mortgage providers, they'll help you to choose the right mortgage for you face to face. It's just the way they like to do things and means they can actually show you in person the sourcing system they use. You'll see everything they can see and you'll even be able to see exactly how much they'll earn by organising your mortgage. Does your current mortgage provider do that?

After an initial chat they'll meet with you and conduct a comprehensive fact find and financial breakdown based on your circumstances. They'll then extensively search the whole market for the most suitable products for you, present their findings to you and subject to you being happy, arrange your mortgage.

In the majority of cases, the commission they earn directly from the provider of your mortgage is sufficient to cover their administration time so they may be able to arrange your mortgage fee-free.

It could pay you to find out! For example, if you're currently on a standard variable rate it may be possible to significantly reduce your monthly outgoings by remortgaging onto a more advantageous rate without increasing your lending or the duration of your mortgage. If you'd like them to check if there's a better deal available to you, contact us to find out and they'll give you all of the information you need.

Like all Independent Mortgage Brokers they are paid a fee directly from the lender for arranging a mortgage. What sets them apart though is that they do not charge you a flat fee. In fact, because the lender pays them directly on a percentage basis, they won't normally need to charge you anything at all, unless that percentage falls below their standard administration fee. To find out if they can arrange your mortgage fee free, get in touch on 01757 709888 or alternatively check out their website: www.ifoselby.co.uk

Your home or property may be repossessed if you do no keep up repayments on your mortgage. Financial Conduct Authority does not regulate some aspects of buy to let mortgages. Financial Options (Selby) Ltd is authorised and regulated by the Financial Conduct Authority. They are entered on the Financial Services Register No 711304. register.fca.org.uk. Your home or property may be repossessed if you do not keep up repayments on your mortgage. Registered in England No. 04206803. Registered address: 24 Finkle Street, Selby, North Yorkshire, YO8 4DS.