welcome home mortgages
all kinds of mortgages for
all kinds of people and
all kinds of lives
specialist online mortgage advisor
working with you to get the right result
Wanted – Square Pegs
You may be looking for a self-employed mortgage.
You may be a director of a Limited Company.
You may be on a zero-hour contract, a short term contract or even a CIS contractor.
You may be a Supply Teacher, or Bank Nurse.
You may have overcome financial problems in the past and are looking for a new mortgage or re-mortgage.
You may be looking to let your house out to buy another home. You may be a Buy to Let landlord with a portfolio or looking to buy a student let, HMO or holiday home.
You may want a specialist mortgage, such as an offset mortgage or an interest-only mortgage.
You may be a First Time Buyer, a home mover or re-mortgager looking for a mortgage adviser who’s easy to deal with and explains things well.
Whoever you are,
I can help.
mortgages
“where can I find the best mortgage advice I can trust?”
Buying a home can be a stressful and confusing time. It’s so difficult to know what to do, whether to have a fixed rate or variable, how long to have a mortgage for and which lender will offer the best deal. I can guide you through this process right from the start right through to completion. I will get it right, so you don’t get it wrong.
protection
“how can I protect my home and family from financial crisis’?”
No one wants to think about what will happen when a loved one dies. Your life changes forever and the financial strain your family will experience will be the last thing they would want to worry about. If you have dependants or if you are in any form of debt, it is essential that you are prepared and you ensure your family is properly protected. I will guide you through the complicated world of protection, giving you peace of mind.
home insurance
“how can I protect my home from accidents, emergencies and other disasters?”
It can be tempting to try and save money by cutting back on your buildings and/or contents insurance policies, but experts agree that this is a false economy. The right cover will provide you with the peace of mind and financial protection that any damage to your home; accidental or otherwise can be covered avoiding unexpected expense. I may not get the cheapest cover for you, but I will do my best to get the best possible cover, making sure that you are looked after when you most need it.
Your home or property may be repossessed if you do not keep up repayments on your mortgage
All meetings, research and advice that I give are completely free of charge however, I do charge a one-off application fee for residential property purchases. This non-refundable fee is typically £470 and payable upon application of the mortgage that I arrange for you. Buy to Let mortgages are charged separately, please contact me for details.
I don’t charge a fee for like-for-like remortgages, protection, or general insurance such as home insurance.
Stephen Thatcher (trading as Welcome Home Mortgages) is an Appointed Representative of Cornerstone Finance Group Ltd, which is authorised and regulated by the Financial Conduct Authority.
Registered office: The Old Schoolhouse, Church Street, Nympsfield, GL10 3UB.
Cornerstone Finance Group Ltd is registered in England & Wales. No. 08458702. Registered Office: Unit E Copse Walk, Pontprennau, Cardiff, Wales, CF23 8RB.
Stephen Thatcher (No. 456905) and Cornerstone Finance Group Ltd (No. 767202) are entered on the Financial Services Register at https://register.fca.org.uk/
If you click any external link, you will leave the website of Stephen Thatcher and view the content of an external website.
Stephen Thatcher cannot be held responsible for the content of external websites
The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
You may have to pay an early repayment charge to your existing lender if you remortgage.
The Financial Conduct Authority does not regulate some aspects of buy to let mortgages.