What We Do
Find out more about the services we offer
About Us
Welcome to our financial advisery practice, where your goals become our mission. With years of experience and a commitment to your well-being, we are dedicated to helping you navigate the complexities of the mortgage, protection and insurance world. Our team of expert advisers is here to provide tailored solutions that empower you to make informed decisions and secure your future.
At our practice, we understand that every individual's journey is unique. Our client-centric approach ensures that your aspirations are at the heart of our strategies. Trust us to be your financial partner, providing clarity, confidence, and a roadmap to your mortgage journey success. Your dreams, our expertise - together, we'll build a brighter future.
Frequently Asked Questions
What is a mortgage?
A mortgage is a loan you use to buy a home. You pay it back over time, plus interest.
How much can I borrow for a mortgage?
It depends on your income, credit score, and the lender's policies. Typically, it's around 3-5 times your annual income.
What's a deposit payment?
A deposit payment is the initial payment you make when buying a house. It's a percentage of the home's price, the minimum deposit is usually around 5% (depending on your circumstances).
What's the difference between fixed and adjustable-rate mortgages?
A fixed-rate mortgage has a constant interest rate, while an adjustable-rate mortgage's rate can change over time.
How long can a mortgage last?
Most mortgages are 15 or 30 years, but you can find other terms too.
How can I improve my mortgage approval chances?
Pay bills on time, save for a deposit, and maintain a good credit score.
What's a pre-approval vs. pre-qualification?
Pre-qualification is an estimate; pre-approval is a firm offer from a lender, showing how much you can borrow.
Can I pay off my mortgage early?
Yes, you can make extra payments or refinance to pay it off faster.
What happens if I can't make my mortgage payments?
Contact your lender ASAP. They may offer options like loan modification or forbearance to help you during tough times.
Get In Touch
Main Office
582 Honeypot Lane
Stanmore
AC Financial Associates Ltd
582 Honeypot Lane
Stanmore