tel: 01173 823 823
Contact@leafifa.co.uk
Remortgage Advice
Leaf Financial Advisers
“Remortgaging in Bristol, with your home and finances in safe hands”
Remortgaging Service....
What sets us apart
Availability
We offer flexible appointments, virtually & in person, including evenings and weekends, not just 9 – 5. Because good advice fits around your schedule, not ours. Get in touch to book a time that suits you.
Local
Bristol property market moves fast. Local knowledge and relationships can help the process move more smoothly.
Personal Adviser
You will be assigned the same Mortgage Adviser from the start to the end of your journey. Someone to speak to if you need an update, have a query or just want a chat; they will be there for you. To make it more convenient you will have their mobile number so you can get in touch, no call centres!
Independent
Our independent status means we are not tied to any one mortgage lender or panel of lenders. This allows us access to the whole of the market, including several specialised lenders, helping you get the best deal possible.
Remortgaging your property?
Buying your first home is an exciting time but it can also be a time consuming, complicated and expensive.
Using a mortgage adviser can help relieve some of these issues, reducing paperwork, saving time and ensuring you get the best mortgage deal for your situation, including access to “broker only” deals.
Small difference in rates can have a big impact on your repayments, so it’s crucial to get expert impartial advice to ensure you get the best deal.
Get in Touch
A Personalised Service to help everything go smoothly
As a Boutique firm, we offer you a tailored, personal service. You will be assigned your own Personal Adviser who will advise you throughout the entire process, from start to finish. They will be available to you whenever you have a query or concern or just need an update.
Your personal mortgage adviser will complete all the relevant paperwork for you, liaising with solicitors, lenders and surveyors throughout the process. One application process rather than one for each bank will save you time and reduce the chance of damaging your credit score.
Equity Release Advice
Equity release is a way for homeowners aged 55 and over to unlock and use a portion of the wealth tied up in their property without the need to move home.
Most modern plans take the form of a Lifetime Mortgage, which is essentially a long-term loan secured against your house. Unlike a traditional mortgage, there are typically no monthly repayments; instead, the loan and any built up interest is paid only when you pass away or move into long-term care. This provides a flexible way to boost your retirement income, clear existing debts, or fund home improvements, or otherwise improve the quality of your day to day life while you continue to live in and own your home.
As Bristol-based specialists, our Equity Release Advice service is designed to simplify this process and ensure it integrates perfectly with your wider financial goals. Because we are both Independent Financial Advisers and Equity Release specialists, we don’t just look at the loan—we look at your whole financial picture, including tax and pensions. We offer a free, no-obligation consultation in the comfort of your own home to help you decide if it’s truly the right path for you. To keep our service accessible and transparent, we charge a straightforward fixed fee of just £699, which is waived entirely for plans over £50,000.
Andrew Rogers,
Equity Release Adviser,
Leaf Financial Advisers
Andrew Rogers,
Equity Release Specialist
Charted Independent Financial Adviser
Chartered Accountant
Independent Mortgage Broker
Defined Benefit Pension Specialist
What is Equity Release?
Most equity release plans these days are simply a long-term loan that is repaid when the house is sold. The interest on the loan can be paid off as you go, or it can be paid off at the end, when the house is sold.
It is generally available to those over the age of 55, who are homeowners.
The cash released can be used for pretty much anything and can be paid out as a lump sum, a series of lump sums, or as an income.
Most plans will ensure that the loan value will never be higher than the value of the house, protecting the estate. There is also usually the option of ring-fencing some of the equity in the property, helping to protect it from being used to repay the equity release.
Moving house and taking your equity release with you is also an option, as is remortgaging onto new rates in the future. Although these will be dependant on the situation at the time you come to move/downsize or remortgage.
In short, equity release allows you to take cash out of your property to spend today, which is repaid in the future when the house eventually comes to be sold; although there are a range of flexible options to help you find the right plan for you and your situation.
Andrew Rogers,
Equity Release Adviser,
Leaf Financial Advisers
Andrew Rogers,
Leaf Financial Advisers
Equity Release Specialist
Charted Independent Financial Adviser
Chartered Accountant
Independent Mortgage Broker
Defined Benefit Pension Specialist