Mortgages

Our mortgage specialists are here to find the best possible mortgage deal for you, whatever your situation. Whether you wish to purchase a residential or commercial property, our independent advisers can access the whole market to bring you a competitive arrangement that matches your needs and financial situation, even if you have a poor credit history.

First Time Buyers

If you are a first-time buyer, you could own your own home with as little as a 5% deposit. Whether you are employed full-time, self-employed or contracting, we can find the right mortgage to get you on the housing ladder. Our mortgage specialists can offer guidance about the latest Government schemes, as well as shared ownership and shared equity options, to ensure you get the best possible deal for your personal circumstances.

Home Movers

If you are buying a new home, we can help secure the right mortgage for you based on your current circumstances, whether you are currently renting or have a property to sell. Our mortgage advisers will offer expert advice and guide you through the entire process. Whatever your credit history and whether you want shared ownership, we can access the whole market and offer independent guidance based on your personal situation.

Help To Buy

The Government’s Help To Buy scheme applies only to new build properties. As specialist Help To Buy advisers, we can support you through the entire process and immediately advise whether you are eligible for the scheme. It is worth noting that although Help To Buy Wales and Help To Buy England schemes differ, our advisers are fully versed in both to offer total peace of mind.

Remortgages

Remortgaging can release funds tied up in equity, which is particularly useful if you are carrying out home improvements. Whatever your reason for re-mortgaging your property or property portfolio, we can access the whole of the market to bring you the best possible solution. So, whether you want to improve your current rate, shorten your term or consolidate your finances, we can offer practical, effective guidance.

Second Charges

If you require additional capital and have enough available equity in your property, a second charge could be set up as an additional source of finance. A second charge is a secured loan that runs alongside your mortgage. As with your existing arrangement, your property is offered as an asset as security against the loan.

Buy To Let

If you wish to expand your property portfolio, we are here to offer the best possible guidance based on current legislation. Whether you are investing for your future or looking to enhance your income, we can help you effectively manage your portfolio. When looking at Buy To Let options, we strongly advise you also discuss your intentions with a qualified accountant to ascertain the best way forward for you.

Self-Build

If you are planning to build your own home and require additional capital, you will need a specialist self-build mortgage. We can provide impartial advice and expert guidance to support you through the entire process.

Conveyancing

Conveyancing is a legal process that transfers home ownership when buying or selling a property. You will also require a conveyancing specialist if you are remortgaging or extending your lease. We partner with trusted conveyancing partners who specialise in this aspect of the law. Please contact us for details.

Equity Release

If you are considering an equity release scheme, we can refer you to our trusted associate at Equity Release Partners for expert guidance. Please contact us for details.

Protection

We offer impartial advice about protecting your property and can efficiently set up policies that offer income protection, life and critical illness cover, building and contents insurance and security in the case of an accident, sickness or unemployment.

We offer independent, whole of market mortgage advice tailored to your personal circumstances. Your initial consultation is free with no obligation, so please call 01352 754 272 to arrange an appointment.

D&G Independent Limited is authorised and regulated by the Financial Conduct Authority, No 585148.
D&G Independent Limited, Park House, Ffordd Byrnwr Gwair, Broncoed Business Park, Mold, Flintshire CH7 1FQ
T: 01352 754272 |  info@dandgifa.co.uk

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