Gar MortgageFirst Financial Solutions (Wales)

Based in Fforestfach, Swansea Directly Authorised by the FSA Fully Independent Four advisers Company is nearly six years old Client focused Interested in long term

About Us

Purchases Re-mortgages Buy To Let Let To Buy First Time Buyers Self Build Secured Loans Life and critical illness cover Family Income Benefit Income Protection/redundancy cover

What We Do

Plenty of 90% deals Some 95% deals A lot of competitiveness back in market Housing market expected to rise this year Government schemes – Help to

Buy..................Also available for people moving home

First Time Buyers

Raise money to fund home improvements Build extension – many looking at this as

alternative to moving Secure some very competitive deals Raise money to purchase BTL Plenty of people on high SVR’s unaware of

savings they could make

Remortgages

If tied in to current mortgage Pay debts Extend Invest etc Short term

Secured Loans

Case Study 1

Property Value £150,000Mortgage £100,000Term – 20 years

Currently paying 5 yr fix @ 5.99% = £725pmSVR @ 4.99 = £659 per month (saving

£66pm)Remo to 2.04% = £507pm (£218pm saving)

Case Study 2

Property Value £120,000Mortgage £72,000Term – 14 yearsCredit cards - £6500 – min payments £182pm

Currently paying 3 yr fix @ 4.69% = £593pmRemo to 2.09% = £544pm (£232pm saving)

New job – not started Inter family purchase Debt consolidation – 95%!! Repossessions Auction finance Re-mortgage – raise funds purchase - LTB 2nd home

Recent cases

Get mortgages where nobody else could – Dawsons staff!

Quirky cases Mortgage Market Review (MMR) Off high street lenders – Precise/Kent

Reliance/Newcastle/Kensington/Mansfield/Keystone

How we add value

Who has a mortgage?

Any Questions?