Embarking on the journey to homeownership is an exciting and significant step, and at Sempre Mortgages & Protection, we are here to guide you every step of the way. As seasoned mortgage advisers specialising in assisting First Time Buyers, our mission is to transform your dream of owning a home into a reality.
Welcome to Your First Home Journey with Sempre Mortgages & Protection
Why Choose Sempre Mortgage & Protection as Your Mortgage Adviser?
- Personalised Guidance: We understand that purchasing your first home is a unique experience. Our dedicated team takes the time to get to know you, your financial goals, and your preferences to tailor our advice to your specific needs.
- Expert Advice, Simplified: Navigating the mortgage landscape can be overwhelming, especially for first-time buyers. Our experienced advisers break down complex concepts into clear, understandable terms, ensuring you make informed decisions with confidence.
- Transparent Process: Transparency is at the core of our service. We guide you through the entire mortgage process, providing a clear roadmap and ensuring you understand each step. No hidden fees, no surprises—just honest and open communication.
- Dedicated Support Throughout Your Investment Journey: Investing in property is an ongoing journey, and we're here to support you at every step. Whether you're expanding your portfolio, refinancing, or exploring new opportunities, Sempre Mortgages & Protection is your trusted partner in property investment.
- Support Beyond Offer: Our commitment to you extends beyond the point at which you receive your mortgage offer. We are here to answer your questions, address concerns, and provide ongoing support throughout the life of your mortgage. Your financial well-being is our top priority.
How We Work:
- Consultation: Schedule a consultation with one of our experienced advisers. We'll discuss your homeownership goals, assess your financial situation, and outline a tailored plan to meet your needs.
- Pre-Approval: Gain a competitive edge in the housing market by obtaining a pre-approval. We'll guide you through the application process, helping you understand your budget and negotiating power.
- Customised Solutions: Based on your unique circumstances, we'll present mortgage options that align with your goals. Our team will assist you in choosing the right loan structure and terms for your needs.
- Streamlined Process: We streamline the mortgage application and approval process, minimizing paperwork and hassle. Our goal is to make your home buying journey as smooth and stress-free as possible.
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Ready to take the first step towards homeownership? Contact Sempre Mortgages & Protection today to schedule your consultation. Let's turn your dream of owning a home into a reality!
And remember, at Sempre Mortgages & Protection we are ALWAYS here to help.
Our Fees and Charge
Mortgages
A fee of up to 1% of the loan will be charged, 50% payable on application and 50% payable on receipt of the mortgage offer, subject to a minimum fee of £349. For example, on a £200,000 loan this would equate to a fee of £2,000.
The total fee will be based on your personal circumstances, employment record and credit history. We will provide you with written confirmation of your fee prior to the commencement of any chargeable activity.
(Refunds)
You will not receive a refund if your mortgage or loan does not go ahead.
(Procuration Fee)
We will also be paid a procuration fee by the lender. The amount of the procuration fee will be disclosed to you.
You have the right to ask us to provide information on the range of procuration fees that the lenders on our panels offer to us.
If an application is submitted to a lender via a packager (a 3rd party specialist) we will be paid commission by the packager. This will be disclosed to you.