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property

With continued pressure in recent years on equity markets, property has received greater attention as an asset class. The UK has seen the continued rise of the Buy to Let or 'investment property' market and commercial property has increasingly been viewed as an investment opportunity.

Alongside this development, the demand for residential property has continued relatively unabated.

Unizone Financial Solutions specialise in the provision of mortgage finance. We are able to assist with the conundrums faced for prospective property purchase on either individual or corporate entities seeking a capital raising or cost-reviewing exercise.

Our extensive experience in the market is combined with technology to ensure the most effective product is delivered to you. Products recommended are often NOT available to the public looking to source finance directly.

As Independent advisers we can also advise on the important subsidiary issues that can often be neglected. These may be protection for the borrowing, or examining the tax ramifications of a transaction.

The 3 principle property areas attended to are as follows:- 

residential mortgages

Mortgage lenders have become more aggressive in attracting prospective borrowers. We analyse the market and determine the product that suits your specific requirements. Whether you are an employee, self-employed or Company Director we understand your requirements and in turn the individual lender nuances. 

mortgages (buy to let)

The increased demand for this finance has seen increasing numbers of mortgage lenders enter this market.

We will discuss the lending criterion for Investment property purchases and run through the obstacles for today's landlord. Relevant issues include protection against rental voids, interest rate fluctuations and tax issues.

We assist the individual embarking upon a first time investment or the more experienced borrower. The latter may require advice on creating or maintaining an investment portfolio. Similarly questions of whether a purchase should be affected in a personal capacity or Limited Company entity can be addressed.

commercial property

We assist those purchasing property for their own use or as an investment. Again mortgage sourcing is designed to produce the most cost effective and flexible solution. We have longstanding associations with lenders and can introduce you to innovative lending solutions. This may include purchasing the property through a pension or exploiting 'offset' commercial products.

Retirement brings an appraisal of one's assets to determine whether the desired lifestyle can be attained. With pressures on pension incomes with historically low annuity rates people have become more willing to explore the options open to them for releasing capital from their residential property. 

There are very important decisions to be considered here including the implications for dependants and in turn the impact upon financial dependents. We are able to assist with such advice in this regard.

Equity Release

The value of your home minus any outstanding mortgage can be described as your 'equity'. Equity release is the process whereby this is turned into cash, or an income, which you can then spend on whatever you like.

If you are aged 55 or over and a homeowner, you could be eligible to take advantage of increasing house values by releasing equity from your property. This could significantly improve your standard of living - enabling you to benefit from the comfortable retirement that you deserve.

There are several ways to release equity from your property, our specialist independent advisers have an in-depth knowledge of equity release, and will search the entire market for each customer to ensure their specific needs and objectives are met.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

PLEASE BE AWARE THAT SOME MORTGAGES ARE NOT REGULATED BY THE FSA - 
INCLUDES BUY-TO-LETS, COMMERCIAL, OVERSEAS AND SECOND CHARGES