Unbiased  Independent  advice.

It really is as simple as that!

As you would expect of truly Independent advisors we offer every kind of mortgage, as well as many 'exclusive deals' which would not be available directly from the lender.

With so many choices and options available plus so much industry jargon, it can be difficult to decide which mortgage is most suitable for you!  Ludmila King Associates Financial Services is committed to providing every client with the most fitting possible product - tailored to match your individual needs.  To help you to choose the most suitable mortgage, take a look at the following options:

Repayment

Your monthly mortgage repayments comprise of capital and interest payments combined so that by the end of the mortgage term, you have paid off the original amount borrowed plus any interest that has been accrued. This type of mortgage is therefore suitable for people who want the peace of mind of knowing that their mortgage will be paid in full at the end of the term.

Interest only

An interest only mortgage is structured so that only the interest is paid back to the lender each month. The original loan amount remains the same for the term of the loan. A suitable investment plan is usually set up in order to repay the loan at the end of the term e.g. an endowment, an ISA or a personal pension plan.

Buy to Let

At Ludmila King Associates Financial Services we have a great deal of experience in helping clients to find the right mortgage for their rental property purchase, and urge potential buyers to consider the beneficial tax implications when calculating the income they will receive. The interest payment for the mortgage can be offset against the rental income - which actually reduces your tax liability. Raising a mortgage, as opposed to buying outright, will also allow you to reduce your initial capital investment or spread your investment over several properties.

With the latest industry software which is updated on a daily basis, we always have access to the most up to date mortgage offers.

Whatever your situation Ludmila King Associates Financial Services can help you to make a fresh start.

THE FINANCIAL SERVICES AUTHORITY DOES NOT REGULATE MOST BUY TO LET MORTGAGES.

Fee statement
We normally charge a fee for mortgage advice however; this will be dependent on your circumstances.  Our typical fee is £199.00.