Independent
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• If you are moving home you can often move or port your current mortgage to your new home.
• IDFM will set out all your options and advise on the best course of action.

Please contact us on 0845 2706160 for further information or email peter@idfmcity.com.

• When your current deal is approaching the end of the mortgage product term it is normally a cost saving exercise to explore your remortgage options.
• Remortgaging is a good way to avoid high variable rates
• If you are locked into an uncompetitive rate IDFM will calculate whether a remortgage can save you money.
• Many remortgage deals are ‘fees free’ for legal and valuation fees.

Please contact us on 0845 2706160 for further information or email peter@idfmcity.com.

• A buy-to-let mortgage (also known as an investment mortgage) is designed for borrowers who want to let their property out to a third party (i.e. tenants).
• We are specialists in advising clients on restructuring their property portfolio to ensure they achieve the best rates across the whole portfolio.

Please contact us on 0845 2706160 for further information or email peter@idfmcity.com.

• IDFM offer a special ‘First Time Buyer Service’ where we take care to cover all the jargon with you.
• Access to exclusive deals.

Please contact us on 0845 2706160 for further information or email peter@idfmcity.com.

Changes in the exchange rate may increase the sterling
equivalent of your debt.

• The house buying process varies considerably from country to country, with different legal systems and local customs.
• Most clients will opt to arrange their overseas mortgage in the currency they are paid in. If however you are planning to receive rental income from your property in the local currency then a mortgage in the local currency may be the better option, depending on the mortgage lender's criteria.
• If you already have a residential property in the UK you may be able to raise money for a deposit by remortgaging and releasing equity from this property.

Please contact us on 0845 2706160 for further information or email peter@idfmcity.com.

• Equity Release schemes are aimed at clients over a certain age, usually 55, looking to release the equity within their homes in return for a cash lump sum or an additional income, or both.
• The main motivation for clients in many cases is that you can release equity without the need to make monthly interest payments.

'Equity Release' includes home reversion plans and lifetime mortgages. To understand the features and risks, ask for a personalised illustration.

Please contact us on 0845 2706160 for further information or email peter@idfmcity.com.