Frequently Asked Questions

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YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. MOST BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

I don’t live in Hampshire, where you are based, can you still help me with my mortgage?

Yes, we can help you, as all appointments can be carried out remotely no matter where you live in the UK.

What is the best way for us to book a meeting with you?

Click here to get in touch and provide me with a little more information about what it is you are looking for. I will reach back out to and we can arrange a time to meet face-to-face or via Zoom.

Are you available for weekend and evening appointments?

Yes, no problem. We can be available at times which are most convenient to you which include weekends and evenings by appointment.

How long is a typical mortgage process likely to take?

The mortgage process typically takes between 2-4 weeks with the majority of lenders we work with.

What happens if my mortgage application gets declined by the lender?

In the rare occasion that your application is declined by a lender, my role is to find a suitable alternative for you. We always aim to find an option for all clients and their circumstances.

What are the benefits of speaking to you over my current bank or building society?

What Asquared Mortgages can offer is the ability to explore our extensive panel with access to hundreds of lenders to ensure you get the right deal, your current bank or lender can only tell you about their products.

Do I have to take out a life cover policy when I get my mortgage

No you do not need to take a life cover policy out. However, as a part of the Asquared Mortgages process, we will undertake a full protection review to protect you, your home and your family.

I am looking to get a commercial mortgage. Can you help me with this?

Yes, I can help you in sourcing a Commercial mortgage by referring you to one of my chosen specialist providers. Get in touch to discuss in more detail.

Commercial lending is not regulated by the Financial Conduct Authority.

What options are there for me in getting a mortgage as I am over 65 years of age?

There are many options available to you as most lender will allow you to borrow up to the age of 75 or some cases, even 80. If those options do not fit your requirements we can refer you to experts who can establish if this is right for you.

A lifetime mortgage is not suitable for everyone and may affect your entitlement to means tested benefits, so it is important to seek financial advice before taking any action. If you are considering releasing equity from your home, you should consider all options available before equity release.
The interest that may be accrued over the long term with a Lifetime Mortgage, may mean it is not the cheapest solution. As interest is charged on both the original loan and the interest that has been added, the amount you owe will increase over time, reducing the equity left in your home and the value of any inheritance, potentially to nothing.
Although the final decision is yours, you are encouraged to discuss your plans with your family and beneficiaries, as a Lifetime Mortgage could have an impact on any potential inheritance. We would also encourage you to invite them to join any meetings with your Financial Adviser so they can ask questions and join in the decision, as we believe it is better to discuss your decision with them before you go ahead. This is a referral service.