Synergy Financial Advice LTD
Why Synergy Financial ?
- Access to Exclusive Mortgage Deals
- Over 180+ Lenders
- Over 5000+ Products
- Meet us at our office or discuss on the phone
- We also use Zoom/ Teams/ WhatsApp/ Google Meet
- We complete your mortgage application
- Free life time mortgage monitoring
- Happy to help you in evenings and weekends
Let`s know your circumstances
By coming to our office / On the phone / Zoom / Teams/ Whatsup / Google meet
Research and recommendation
We will find you the best deal for your circumstances and future needs by apply our in-depth knowledge and expertise. We will compare 1000s of products from 180+ lenders and give you recommendations.
Decision in
principle
Once you are happy with our recommendations, we secure your Decision in Principle which is basically a promise from the lender that they’ll lend you money on the condition that the information you’ve provided is correct and subject to a valuation of the property.
Mortgage
application
We’ll submit your full application to lender with relevant documents .
Mortgage offer and completion
Once the lender is happy with application, documents and everything they’ve found, they’ll send you a mortgage offer. Once you are happy with mortgage offer you can move forward with completion of your property transaction.
Mortgages
Residential Mortgages
Explore the complete guide to residential mortgages today and get expert help if you need it! Contact us to learn more about how we can support you.
First time buyer mortgages
We understand that buying your first home is a huge decision and it can be overwhelming. That’s why our first time buyer mortgage guide is here to help make the process easier.
Moving home mortgages
Don’t let the thought of moving house and changing your mortgage overwhelm you. Read our comprehensive guide on the subject and contact
Residential Remortgage
Are you looking to remortgage your home? If so, you must understand the process and determine if remortgaging is right for you.
Second charge mortgages
It is called a “second charge mortgage” because it is a separate loan that is secured against your property,
Mortgages
Buy to Let Mortgages
Let's Talk with a Lending Specialist
A buy to let mortgage is a mortgage specifically for those who are looking to buy a property as an investment and let it out, rather than to live in it themselves. Most lenders prefer you not to use a standard residential mortgage to finance your property if your plan is to rent it out. Buy to let mortgages are generally more expensive than normal mortgages and require larger deposits (between 25% and 40%).
Investing in HMO property can be a great way to generate additional income and increase your property portfolio. To learn more about HMO property investment, read our complete guide and contact us if you need any help.
HMO (House in Multiple Occupation) property investment is an excellent option for those seeking to generate additional income and increase their property portfolio. With HMO properties, investors can benefit from increased rental returns by renting out multiple rooms or units in the same building with shared facilities. This way of letting usually generates higher yields than renting a property to a single family.
There are, however, rules and regulations that must be adhered to. With the right advice, investing in HMO property can greatly boost your financial future. To get started, read our comprehensive guide and contact us for any help you may need.
Limited company mortgages are becoming an increasingly popular choice for landlords. This is mostly due to a different tax treatment compared to individual ownership and a more favourable rental affordability calculation. Read our guide to learn more about limited company mortgages, and contact us if you need any help.
Limited company mortgages are an increasingly popular way landlords manage their properties. By owning a property through a limited company, landlords can benefit from potentially lower tax liabilities and more generous lending terms from lenders.
This guide will provide insight into the advantages of holding a buy-to-let via a limited company and how landlords can access finance. We will also provide information about existing properties owned in personal names and advice on the ideal route for individual landlords.
We are not tax experts, but we can give you tips on the key questions to ask your buy-to-let tax adviser when seeking specialist tax advice. It is wise to consider the tax implications of how you hold the ownership of a buy-to-let property before undertaking any purchase or remortgage. Limited company mortgages may be the right solution for landlords with the proper guidance but not in every case.
Are you looking to remortgage your home? If so, you must understand the process and determine if remortgaging is right for you. To help you with the decision-making process, we have created a comprehensive guide that outlines all the steps involved in remortgaging. In addition, our guide will provide insight into the various benefits of remortgaging and how to go through the process smoothly.
- Remortgaging is a great way to make the most of your current property’s equity.
- It allows you access to the money you have tied up in your property.
- With a remortgage, you could even consolidate your debts.
- If you remortgage to another lender, you may have access to a lower interest rate and reduce your monthly payments.
- Alternatively, you could take advantage of the current lender’s switching process.
Whatever your financial goal, remortgaging could be the right solution for you.
If you’re looking to build a buy-to-let portfolio, our complete guide can provide the advice and support needed for success. Read on for an in-depth analysis of buy-to-let investment mortgages, or contact us directly for help with your buy-to-let portfolio.
Buy-to-let portfolios can provide a great way to diversify your investments and create a steady income stream. By purchasing buy-to-let properties, you can take advantage of long-term capital growth, rental income, tax benefits, and more. Building a buy-to-let portfolio requires careful planning and strategy to maximise returns while minimising risk. It is crucial to consider the potential costs associated with buy-to-let investments, such as mortgage payments, maintenance, insurance, and more.
Why Synergy Financial ?
- Access to Exclusive Mortgage Deals
- Over 180+ Lenders
- Over 5000+ Products
- Meet us at our office or discuss on the phone
- We also use Zoom/ Teams/ WhatsApp/ Google meet
- We complete your mortgage application
- Free life time mortgage monitoring
- Happy to help you in evenings and weekends
What We Offer
Commercial loans
Bridging loans
A bridging loan is a short-term financing option that helps borrowers bridge the gap between buying a new property and selling an existing one. It provides quick access to funds when time is crucial, especially during sale delays.
Business loans
Don’t wait any longer! Read our complete guide on business loans now to learn everything you need to know. Let us help you get the financial support your business needs to thrive. Contact us for more information today!
Commercial loans
Your search for commercial loan solutions ends here! Our comprehensive commercial loan guide is designed to assist you in navigating the loan process and finding the perfect financing solution for your business.
Protection insurance is one of the most valuable assets.
Critical Illness
Critical illness cover is a type of insurance that pays out a lump sum if the policyholder suffers from certain severe medical conditions. This money can help pay for medical expenses and other costs associated with long-term illnesses.
Life insurance
Life cover is a type of insurance policy designed to financially protect your dependents/beneficiaries in the event of your death, providing them with financial stability and security. It can pay off debts or provide a lump sum to help with everyday expenses and future planning.
Income protection
This provides monthly tax-free payments in the event that you cannot work due to injury, short or long-term sickness or disability. Income Protection Insurance pays out a sum of money every month in the event that you are unable to work due to sickness or injury.