Fordyce Furnivall work in conjunction with Victoria Newton Finance, the Mortgage Advice Specialists.

Victoria Newton Finance can offer face-to-face mortgage advice to clients within the local area or a telephone service to clients further-a-field.

It's their aim to find a mortgage to suit all of your needs, at the best possible price. They have access to literally thousands of mortgage products, which, coupled with expert mortgage advice, ensures a product tailored to your requirements. As they are not tied to any high street bank or building society mortgage provider, they offer totally impartial independent mortgage advice.

As Victoria Newton Finance are a member of Personal Touch Financial Services, they have access to many exclusive mortgage deals that you will not find on the high street.

All mortgage and insurance advice is given with no obligation. Why trawl the internet and high street, when a friendly, efficient and dedicated mortgage adviser can do the hard work for you?

If you are looking for advice in any of the below areas, Victoria Newton Finance can help:

• Residential Mortgage - First time buyer or home owner
• Buy to Let Mortgage - First time landlord or seasoned pro
• Remortgage - Get a better rate, raise funds for any reason, consolidate debt, move home
• Mortgage Related Insurance - Life, critical illness, mortgage payment protection, accident, sickness and unemployment, income protection
• Household Insurance - Building and contents
• Solicitors Conveyancing Quote - Countrywide database

Choosing a mortgage is probably the biggest financial decision you will ever make. However with thousands of mortgages to choose from, it can seem like an impossible maze to find your way through. A mortgage is potentially the largest financial commitment of your life, so getting the right advice is key. Victoria Newton Finance realise this, which will show in the service you receive from them.

There are many different types of mortgages and there will be one out there that best suits your requirements, which it's Victoria Newton Finance's aim to find. Whether you are a first time buyer or wish to remortgage, they will endeavour to recommend a product to suit your all of your needs.

First Time Buyer's

Victoria Newton Finance realise that buying a home can be a very confusing time for a first time buyer, which is why they are here to walk you through the process and explain everything in plain, easy to understand terms.

When you contact them, you will speak to a professional mortgage adviser, who will compare the whole of the market for first time buyer finance and find the best deal for your circumstances. As they are not tied to any high street bank or building society mortgage provider, they offer totally impartial independent mortgage advice. Simply call for a free, no obligation mortgage quote.

There are a number of government schemes to help you buy your home if you are a first-time buyer or key worker (such as a police officer or teacher). Victoria Newton Finance will help you find out if you are eligible for any of these schemes.

Here are a selection of mortgage types targeted at first time buyers:

Cash-back mortgage
This is where the lender gives the buyer a lump sum on completion of the purchase. It is designed to help first time buyers furnish their new home or help towards associated costs, such as removal fees.

Shared ownership mortgage
A mortgage is taken out to buy a set percentage of a property and rent is paid to a co-owner, which is usually a housing association, for the remaining percentage. For example, you buy 50% of a property and pay rent for the remaining 50%.

Shared Equity Mortgage
Lenders accept a share of the increased value (equity) of your home when you sell it, in return for a mortgage and a top up loan, with which to buy a first home.

Joint mortgage
A mortgage is taken out in joint names. This can be a friend or family member and means both parties are liable to ensure the mortgage payments are made.

Longer mortgage term
A standard first time mortgage terms is 25 years, however you can extend this payment term to up to 40 years, subject to age. This would make the monthly mortgage payments more affordable, but it also means you would end up paying a lot more interest over the mortgage term. The idea would be to shorten the mortgage term at some point in the future, once you could afford the higher mortgage payments.

Buy to Let

In the buy to let market, an investor purchases a property for the sole purpose of renting it out to tenants. One of the most profitable long-term investments is purchasing property. Buying to let has the potential of providing an income in the form of rent and once the mortgage is paid in full, the investment is often used for retirement income.

The differences between a traditional mortgage and a buy to let mortgage are:

• Interest rates for a buy to let mortgage are slightly higher than those of normal residential mortgages
• The income received from the rent is used to make the monthly mortgage payments
• The rental income is used to assess the affordability of the mortgage loan

Whether you're a first time landlord or already have a portfolio, Victoria Newton Finance can guide you through the buy to let process and put you in touch with mortgage products that can help you achieve your goals. With so many mortgages on the market it can get confusing, so using an experienced mortgage adviser is key in finding the best product for your situation.

When you contact Victoria Newton Finance, you will speak to a professional mortgage adviser, who will compare the whole of the market for buy to let finance and find the best mortgage deal for you. As they are not tied to any high street bank or building society mortgage provider, they offer totally impartial independent mortgage advice.

Mortgage Related Insurance

There are many different types of insurances which are designed to protect your mortgage and the main ones are outlined below:

Life Insurance provides a lump sum in the event of death, which is usually linked to the amount outstanding on your mortgage.

Critical illness cover provides a lump sum in the event of diagnosis of one of a range of predetermined serious conditions or if the insured suffers a serious and permanent disability.

Permanent Health Insurance (PHI) sometimes referred to as income protection, is designed to replace the earned income if the insured suffers an illness or accident. It can also be used to offset the financial consequences of illness or accident of non workers.

Personal accident, sickness and unemployment insurance (ASU) is designed to provide a scale of benefits should the insured suffer an accident or become unemployed. In the event of a claim as a result from an accident or illness, the amount paid out will depend on the severity of the effects of the illness/accident.

Mortgage payment protection insurance is also designed to provide an income in the event that a person cannot carry out their job due to illness. The amount of benefits may be linked to the level of monthly mortgage repayments, although it is sometimes possible to build in extra cover to meet some household bills.

Victoria Newton Finance will be able to advise which of the above is most suitable for your specific situation.

If you already have a policy in place, Victoria Newton Finance may be able to find a more suitable policy and also save you money. It is also possible that your current policy is not suitable for you anymore, so please call for specialist advice and a free, no obligation quote.

Why have insurance?

A death or serious illness in the family can have many sad consequences. The sad reality is that there are almost always financial consequences for the family if a person dies or suffers a serious illness.

Even if a person does not work there are still likely to be financial consequences for either death or serious illness. Non-workers are likely to provide services for the family such as looking after young children. These services cost money to provide and financial protection is therefore required to ensure the continued provision of such services.

Many people make little or no provision for minimising the impact of the financial consequences of death or illness, for some this may be because they believe they cannot afford to do so, not realising how cheap protection policies can be, especially if taken out when young, and others believe it will simply not happen to them.

Sadly, statistics show that there is a greater chance that it will than most people realise. By choosing not to make adequate provision to protect their financial future a person is effectively gambling on their health or their life.

In the UK the probability of dying before the age of 65 is about one in eight for males and one in twelve for women. What many people do not realise is that the risk of long term sickness is even greater than the risk of premature death. The harsh reality is that, statistically you are far more likely to suffer a serious illness than to die before retirement age.

How protection policies can help:

• Replace earned income
• Repay debts
• Meet additional living expenses (e.g. adapting a property, paying for childcare)
• Ensure existing plans can be completed
• Provide specific medical treatment or care
• Enable inheritance tax liabilities to be met without having to sell property
• Protection in the event of accident or illness

Buildings and Contents Home Insurance

We offer products from a range of insurers for household insurance and would be happy to provide a quote.

If you already have a policy in place, we may be able to find a more suitable policy and also save you money. It is also possible that your current policy is not suitable for you anymore, so please call us for an instant quote.

For more information please visit our website