ABOUT STEPHEN DOUGLAS

Stephen J Douglas is an adviser that specialises in helping first time buyers get on to the property ladder as well as helping movers, people looking to remortgage, keyworkers and shared ownership.

Stephen J Douglas Financial Services is directly authorised by the Financial Conduct Authority, and he has been arranging Mortgages and life Assurance for over 32 years and is able to obtain Mortgages through nearly every lender in the UK, finding the best mortgage for each individual from over 3000 products that are updated daily.

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MORTGAGES
Fixed Rate Mortgages
The interest rate you pay will stay the same throughout the length of the deal no matter what happens to interest rates. You’ll see them advertised as ‘two-year fix’ or ‘five-year fix’, for example, along with the interest rate charged for that period.
Variable Rate Mortgages
With variable rate mortgages, the interest rate can change at any time. Make sure you have some savings set aside so that you can afford an increase in your payments if rates do rise.
Standard Variable Rate
This is the normal interest rate your mortgage lender charges homebuyers and it will last as long as your mortgage or until you take out another mortgage deal. Changes in the interest rate may occur after a rise or fall in the base rate set by the Bank of England.

Thinking of buying a home may be one of the biggest decisions of your life. Maybe you’re thinking of moving house or remortgaging. Whatever the circumstance, these are fundamental decisions that have to be made to ensure you get the mortgage that is tailored for you.
The choices you make can be various like deciding which type of mortgage you would like to go for, be it Fixed, Variable, Discounted, Capped, Uncapped or a Cashback Mortgage.

At SJD Financial Services we strive to search the market for you, going through all the options and giving you the full story including the costs that are involved such as valuation and booking fees that the lender may charge for buying a fixed or capped rate, and whether or not the lenders charge any redemption penalties.

UNDERSTANDING MORTGAGES

Buying your first home or moving home should be an exciting event in your life, our aim is to make this transaction run as smoothly as possible, and we will guide and update you from start to finish.

Repayment Mortgages

Repayment Mortgages are the more traditional and more popular type of mortgage today due to the cautious attitude that people have when it comes to risk and protecting their home and rightly so.
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The Repayment Mortgage offers the most straightforward and simple approaches to repaying your mortgage.
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Interest-Only Mortgages

These are more of a risk than your standard repayment mortgage. The monthly payment to the lender is lower, as you are only paying the interest on the loan.
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Money will have to be available to pay off the loan at the end of the term. A separate investment savings plan is normally set up, like an ISA. However remember that you can’t guaranty that the savings that you invest will grow enough to repay your loan at the end of your chosen loan term and that you could find that you end up with an outstanding debt.
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WHAT OUR CLIENTS ABOUT US
We just wanted to say a massive THANK YOU for all your help to get our house - you were amazing and we are very happy at our new address.
Ranya & James
Ranya & James
UK Clients
Thank you again for getting us our second mortgage & thank you for informing of the 'help to buy scheme'. If it wasn't for you we wouldn't have got our dream house. *We will see you in 3 years time when we renew our mortgage :)
Adam, Amber & Evelyn
Adam, Amber & Evelyn
UK CLIENT
We can't thank you enough for all your hard work helping us buy our first home. All the best.
Alona & Steve
Alona & Steve
UK CLIENTS
Thank you so much for all of your help. You have been amazing and I will pass any friends looking for a mortgage straight over to you!
Micheala Carter
Micheala Carter
UK CLIENT
CONTACT US
SJD MORTGAGE BULLITIN

Download the latest mortgage bullitin from Stephen J Douglas

<< HERE >>

CONTACT SJD FINANCIAL

Our contact details are below, alternatively you can send us a quick message by using the form to the right.

 

Address : 9A Marketplace, Basingstoke, Hampshire RG21 7LZ

Phone : +44 (0) 1256 472722

Fax : +44 (0) 1256 346810

Email : stephen.douglas@tiscali.co.uk

Website : sjdfinancial.co.uk

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Stephen J Douglas is authorised and regulated by the Financial Conduct Authority (FRN . 300703). I have unlimited access to mortgage products. This document is not an illustration and you have the right to request an illustration for any regulated mortgage contract which my firm is able to offer to you.