With access to a comprehensive range of mortgages from across the market, First Choice Mortgages will help you find the best mortgage for you. 

Mortgages

Finding the right mortgage can be a complicated process.

First Choice Mortgages in Hastings are committed to making the process as painless as possible!

Their approach is simple: get in touch on 01424 202022 and book in an appointment to talk through what you need. They'll work with you to put together all the information they need to be able to advise you on your options. The team will then help you with your application for your ideal mortgage. Rest assured, you'll get the best deal for your individual needs.

With access to the full market, First Choice Mortgages are able to offer mortgages for:

• First Time Buyers – sourcing the very best mortgage so you can take that first step onto the property ladder.
• Purchases – if you're moving to a new home, the team can help you find the right mortgage for the move.
• Remortgages – if you're looking to borrow more or are simply after a new deal, First Choice Mortgages could help.
• Buy to Let – secure your investment with the right mortgage.
• Larger Loans – if you're after a larger loan amount the team are on hand to help.

Your home may be repossessed if you do not keep up repayments on your mortgage.

If you're looking for a commercial mortgage for your business premises then First Choice Mortgages can also help. They are able to refer you to a specialist who can provide advice from their panel.

Please note - commercial mortgages are not regulated by the Financial Conduct Authority, as are most buy to let mortgages.

Protection

Do you have protection in place in the event of sudden illness, disability, job loss or death?

First Choice Mortgages can give you peace of mind that your family will be taken care of should the worst happen. Their panel of protection providers includes: AIG, Aviva, The Exeter, Guardian, OneFamily, Legal & General, LV=, Pulse Insurance, Royal London, Scottish Widows, VitalityLife

Choose from their main types of protection:

Mortgage Payment Protection Insurance – this is also called Accident, Sickness and Unemployment Insurance and is entirely optional. If you are suddenly unable to work due to an accident, sickness or involuntary unemployment this cover will ensure that your monthly mortgage payments and certain related costs are taken care of for a specified period of time.

For impartial information about other providers of Payment Protection Insurance and other products designed to protect you against loss of income, please visit www.moneyadviceservice.org.uk

The typical cost for ASU cover is £4.49 per £100 monthly benefit. This is based on someone aged 35 with a 30 day waiting.

Critical Illness Cover – this product protects you against the financial impact of a specified critical illness. Under the terms of the plan it will be paid out in a lump sum or regular income should you be diagnosed with an illness as specified. Illnesses covered vary depending on the provider and type of policy.

Life Cover – This comes in two forms: Level Term Assurance and Decreasing Term Assurance. (Level Term Assurance offers the same amount of cover throughout the life of the policy and will pay out that amount in the event of a successful claim. Decreasing Term Assurance usually matches your decreasing repayment mortgage amount so will decrease over the term. Only the current amount at the time of a successful claim will be paid out.)

Conveyancing

If you need assistance with the legal process of moving home First Choice Mortgages can refer you to one of their extensive panel of conveyancers to deal with it all for you.

One such provider that they regularly work with is Sort Refer, a reputable conveyancing firm. 

They are a specialist legal firm focused on property and business law that provides comprehensive, user-friendly support. Their staff are highly experienced, pro-active and focused. They'll explain the process throughout, calling upon the modern technology and communications available to them, communicating with you in plain English and avoiding ‘legalese’. 

Home Insurance

Ensure your home and its contents are protected in the event of an unforeseen event such as flood, fire or theft.

Get competitive Home Insurance quotes through Halifax, Paymentshield, Santander, and Towergate.

First Choice Mortgages offer the following products:

Buildings Insurance – You will be covered for the rebuild and repair costs for your home after damage caused by floods, fire or other unforeseen events. Lenders have a mandatory requirement for buildings insurance for the property you own. 

Contents Insurance – Your contents will be covered in case of loss, theft or damage. You will get the item(s) replaced or the money to replace them once your claim is successful.

Wills

Have you written a Will?

If not, you should consider the following:

• Unmarried partners are not automatically entitled to anything and even if you're married, your spouse may not receive all of your estate
• Your family could face years of financial hardship as a result of delays in dealing with your estate
• The Courts will decide who takes care of your children –not you

If you need help writing your Will or your circumstances have changed and your existing Will needs to be updated, please contact First Choice Mortgages for more information and they will refer you to their third party Wills specialist.

First Choice Mortgages (Sussex) Ltd and First Complete Ltd (435779) are not responsible for any advice received from the third party.