FirstTimeBuyer

The mortgage market can be like a maze for first time buyers, so let us guide you through the entire process with simplicity and clarify. Your first home could be just around the corner!

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MovingHome

With so much to think about, let us look after you finances so you can focus your time and energy on moving home. We will compare your current mortgage to new deals available from the whole market.

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BuytoLet

We can help first-time landlords and experienced property investors find the most suitable mortgage to help maximise returns.

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Remortgage

Whether you simply want to save money by shopping around for the best deal or you need to borrow more for home improvements or debt consolidation, your ambition is our mission.

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A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. The Financial Conduct Authority does not regulate most forms of buy to let mortgage.

HOMESMARTSERVICE

Team Robson Financial

We offer a comprehensive range of mortgage products from across the market. We offer both first and second charge mortgage, but not deal’s that you can only obtain by going direct to a lender. For those seeking to increase their existing borrowing, alternative finance options may be available and more appropriate for your needs. For example, a further advance from your existing lender or an unsecured loan (e.g. a personal loan). For those seeking a ‘Retirement Interest Only Mortgage’, a ‘Lifetime Mortgage’ may be available and more appropriate for your needs.

HomeSmart is our dedicated end-to-end service for the 21st century homebuyer. We understand the pressures of modern life and with over 40 years of combined experience in banking and finance, our mortgage team are ideally placed to deliver a first-class service. We know that buying a house can be stressful and we want that pressure on our shoulders so you can focus on crossing the threshold.

We have been overwhelmed and thrilled at the response to our service on Facebook and the latest reviews are published on this page. We are equally moved by the many cards and presents we receive. Knowing that we have done a good job is what drives us.

We are happy to see you at our modern offices in Llangefni but we understand the pressures of time. Home visits (out of hours) are common with HomeSmart. We work across North Wales and the UK as a whole. We are often in these areas: Anglesey, Bangor, Caernarfon, Llŷn Peninsula and surrounding villages.

Use the Quick Contact button and take the first step with Robson Financial.

mortgage Robson

KEYFEATURES

We can help you find your dream home through our extensive network of estate agents and solicitors across North Wales and surrounding areas

We can make offers on your behalf. We act for you and you alone. We have no interest in keeping the vendor happy or selling his house quickly.

Buying a house can generate a mountain of paperwork and we are happy to help you fill out any forms - leaving you to focus on the move.

Liaise with your estate agent and solicitor to keep things moving swiftly

Arranging a mortgage is only part of what we do. We will be right there with you throughout the whole process from the first viewing to crossing the threshold.

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  • A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
  • For mortgages, we charge a typical fee of £299 which is payable on applicable and we may also be paid commission from the lender for arranging the mortgage.
  • Most forms of Buy-To-Let mortgage are not regulated by the Financial Conduct Authority.
  • Think carefully before securing other debts against your home.
  • Mortgage deals may not be available and lending is subject to individual circumstances and status.
  • The Financial Conduct Authority does not regulate legal services.

HOWWEWORK

Step 1 - Fact Find

We are happy to meet you at your home or office during office hours or in the evening. You can also visit our Mortgage office in Anglesey. During the first meeting, we carry out a detailed assessment of your finances so we can understand your needs and objectives. We have provided a useful checklist to highlight the sort of information we need and any prospective lender will ask to see. Completing a detailed fact find is the first step to providing you with independent mortgage advice.

Step 3 - Application

If you want to proceed with our advice, we ask you to sign our Client Agreement and pay our application fee, details of which can be found in the Important Information About Our Services document. When you are ready, we complete and process all relevant application forms and ensure the lender is given the information they need to consider your application thoroughly. How a case is presented is very important as delays could be costly.

Step 2 - Research

Market research is the mainstay of our profession. As independent financial advisers, we have access to the whole market. We are not tied to a particular lender and we can find you the most suitable deal based on your circumstances. Once we have completed our research, we will provide written mortgage advice and advise you on any associated insurance products. You are NOT obliged to accept our advice and you can walk away and pay nothing for our time and expertise.

Step 4 - Completion

Mortgage applications do not always run smoothly but we are ready for every bump in the road. We know what you want to do; we know where you want to be. We will do everything in our power to get you across the threshold. It is the essence of our HomeSmart service.

Download our Moving Home Checklist

FACEBOOKREVIEWS

Thank you so much ceri for helping us buy our first home! Ceri is so helpful, reliable and went above and beyond to help us. We are so glad that we chose robson financial we couldn’t have done it without ceri! Highly recommend and will definitely be using robson financial again. Thank you again ceri!read more
Manon Jefferies
Manon Jefferies
2018-09-05T17:14:59+0000
ceri has been so helpful and fantastic..so reliable and hard working..being self employed i was very limited with my mortgage options..not only did ceri get me a mortgage but a fantastic one at that..she continues to support me even after the deal has been closed..fantastic service and a lovely lady..highly recommended!!! xxxx thank you againread more
Ffion Hughes
Ffion Hughes
2018-07-27T14:21:51+0000
Id like to thank adam for his financial advice and going that extra mile to help me , i tried other financial advisers but none of them had the expertise adam had , my situation was far from straight forward , and i was given honest and reliable advice which worked , and i didnt have to do a thing everything was done for me I would defnetly recommend robson they are genuine and very supportive and will see you through to the end, Thanks Adamread more
Bryona Jones
Bryona Jones
2018-05-29T10:58:08+0000
Thank you very much Ceri for helping us with the process of remortgaging our house. We could not have done it with out you! Ceri was able to come and see us at our home which was very convenient as we have two young children. I would highly recommend using the service provided by the team as everything was made so easy. Everything was explained to us in a way we could understand and more importantly we could trust Ceri to find us the best deal. Ceri was always available at the end of the phone or on email to answer any questions that we had. Highly professional and very efficient at all times. We are very happy with the new mortgage and insurance policy that Ceri found for us as they were tailored to our individual needs. We will definitely contact Ceri again in the future when the time comes to remortgaging our house.read more
Llinos Morris
Llinos Morris
2018-05-10T18:25:22+0000
A huge thank you to Ceri who helped me through the process of the re-mortgage of my property. She went above and beyond to help. Meeting me out of hours to fit in with me. She made everything so easy to understand all I had to do was sign the dotted line. Thanks again Ceri your a star.read more
Arfon River Jones
Arfon River Jones
2018-03-24T09:15:09+0000

MORTGAGECHECKLIST

Your latest 3 months payslips
(employed only)
Your latest 3 years accounts or tax returns
(self employed)
Your latest 3 months bank statements showing your income and all outgoings
Proof of your savings or deposit funds
(copy of statements)
Your latest mortgage statement
(if you currently have a mortgage)
Details of any other debts you may have – balances and monthly payments please!
Existing protection policies - life cover, critical illness cover or income protection
Photo ID such as your passport or driving licence
(must be valid)
Address ID such as a recent utility bill or council tax demand
Your up-to-date credit report, particularly if you have a colourful credit history!

HELPTOBUY

Taking the first step on the housing ladder is beyond the reach of many young people today and the Government has responded with Help to Buy Wales and Shared Ownership. You might think buying your own home is impossible but speak to us, you might be surprised!

We are fully accredited by Help to Buy Wales and we can also help first time buyers in England.

There are different schemes in England, Wales, Scotland and Northern Ireland with different rules and eligibility criteria.

If you have been renting for many years, there is no greater feeling than walking across the threshold of your own home; your own land; unlocking your own door.

Are you struggling with a deposit, don’t forget the Lifetime Cash ISA. You can save up to £4,000 each tax year and the Government will add a further 25%. So for every £4 you save, you get £1 extra - up to £1,000 per tax year. We can advise you on the most suitable Lifetime Cash ISA or you can talk to our financial planning team.

TYPICALEXAMPLE

Example of Help to Buy: If you want to buy a house valued at £200,000, you provide a deposit of 5% (£10,000). The scheme provides a shared equity loan of up to 20% (£40,000) and the mortgage provides up to 75% (£150,000).

In the example above, you only need a deposit of £7,500 with a Lifetime ISA. The Government will pay the other £2,500.

A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. The Financial Conduct Authority does not regulate most forms of buy to let mortgage.

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