SJP Managing your property
Providing advice on mortgages in isolation is not our belief. Instead, we take a broader perspective, seeking to understand your financial needs in detail to ensure that your mortgage arrangements are consistent with a wider financial plan.
What is a mortgage?
A mortgage is simply a loan secured on a property and/or land. It’s a large loan taken over a long period of time. The ‘secured’ part of the description means that if you do not make your mortgage payments and the mortgage falls into arrears, then the mortgage lender has the right to repossess the property and sell it to repay the money you borrowed. If the lender does repossess your home and the sale proceeds do not cover what you borrowed, you will still have to pay back the shortfall. That’s why it’s so important to make sure you have the right mortgage and at a level you can afford.
With a wealth of expertise at your disposal, we work with our clients in planning for the future. We can’t prevent the unexpected from happening to you, but we can make sure that you are well prepared by offering expert advice to help provide financial security for you and your family.
Please note your home or other property may be repossessed if you do not keep up repayments on your mortgage.
Advice relating to a mortgage involves the referral to a service that is separate and distinct to those offered by St. James’s Place.