"Excellent, helpful service throughout."
Miss P., Skellingthorpe, Lincolnshire
So you wanted to know about our Mortgage Services? Then let's take a look at some of the many services and products Shire Direct are able to provide, and how we can come up with a tailor made financial solution to suit you!
Shire Direct is an "all-status" intermediary. This means we are able to tailor-make an individual financial package to suit your specific needs and circumstances. We are able to provide our customers with a tremendous variety of financial products and services, many of which are simply not available on the High Street.
Amongst the mortgage services we are able to offer and provide and situations we are able to cater for are:
We consider that our main function is to provide you with the funding and other services that you require, and our objective is to look for reasons to fund your requirements, not to decline them.
Please be assured that we are not judgemental here at Shire Direct, we do understand and appreciate that not everything in life is black and white! We undertstand that sometimes we will all experience a bit of a blip, often through no fault of our own! That's why, as specialist intermediaries we can assist where others often fail. We have the skills, the approach and the products to help, even in the trickiest of circumstances.
A quick call to one of our professionally qualified mortgage advisors will help to reassure you. We have the plans and the expertise to help, even where you may have experienced difficulties.
Well, that concludes our look at the mortgage services and products we are able to provide, we hope you found it to be useful. Why not have a browse through our website and explore some of the possibilities that may be open to you and don't forget we're only ever a free telephone call or couple of mouse clicks away and we'd love to hear from you!
Mortgages/Remortgages: The overall cost for comparison is 9.8% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration. APR variable and based on a usual case. Most customers are likely to receive a lower rate or the same rate as our overall cost for comparison rate - learn more about APR.
There are no upfront broker fees.
However, a fee may be charged on successful completion. An indication is that on conforming cases (straightforward applications with no or minimal adverse credit) a fee may be charged of up to 1% of the amount advanced, typically £795 and will depend on your circumstances. For non-conforming cases (where case research and processing may be more complex due to adverse credit or unusual circumstances), a fee may be charged of up to 3% of the amount advanced, typically £1,995.
Homeowner Loans: Rates from 8.9% APR variable, but typically 13.9% APR variable. Most customers are likely to receive a lower rate or the same rate as our typical variable rate - learn more about APR. Shire Direct also has a range of non-conforming loan plans with rates up to 19.9% APR. These plans are designed to help those who may have a more difficult credit history, including CCJ's and credit arrears, IVA and bankruptcy problems.
A broker fee of between 0% and 10% of the loan advance may be charged for arranging a secured loan.
All loans subject to status and secured on property.
The actual rate available will depend upon your circumstances. Written quotations on request.
Equity Release Products:
Equity Release products may involve a Lifetime Mortgage or Home Reversion Plan. To understand the features and risks, ask for a personalised illustration.
THINK CAREFULLY BEFORE
SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED
IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
Adding existing debt to your mortgage will increase the repayment term and overall cost.
Over £2,000 worth of Argos Vouchers to be won in the Shire Direct Grand Prize Draw 2008! Terms and conditions apply - please read article for full details.
Are you worried and becoming stressed because you are having problems getting a mortgage or remortgage? Worry and stress no more! Here at Shire Direct we provide tailor made mortgage solutions to suit you, and can usually help with all kinds of circumstances including...
Remember, we're here to help, and would love to hear from you!
Shire Direct and Shire Direct Mortgages are trading styles of Shire Processing Centre Limited which is
Authorised and regulated by the Financial Services Authority in respect of regulated mortgage products and general insurances.
Registered No: 302389. Commercial funding and Secured Loans are not regulated by the FSA.
Licensed Credit Brokers. Consumer Credit Licence Number: 349999.
Shire Processing Centre Limited is registered under the provisions of the Data Protection Act by the Information Commissioners Office: Registration No: Z6795249. Registered in England & Wales. Company number: 2732202. Telephone calls may be recorded for training, monitoring and security purposes. All applicants must be aged 18-years or over.