Welcome to Pear Tree Mortgages
Impartial mortgage and protection advice with the personal touch.
Being self-employed and independent I am able to search the whole of the market to ensure you get the mortgage and protection that perfectly suit your needs.
Whether you’re starting out.
Have you had enough of paying extortionate rent each month? Are you desperate to leave home?
It is vital to get “mortgage ready”. I help first time buyers by assessing their affordability and providing them with top tips on improving their borrowing capacity. I am here to guide you through the buying process, cut through the jargon and help you at every stage to get you into your own home.
Or starting over
Have you decided to go your separate ways? Are you daunted by taking on a mortgage in your sole name following divorce or separation? Is it even possible?
I will create your confidential Mortgage Capacity Report stating what you can afford. Working closely with your legal representative this can be used in mediation to negotiate a settlement, to ensure the best outcome for you and your family.
Moving up or down the property ladder or escaping to the country?
Can you afford your next move? Is it best to stay with your current lender or are there more suitable alternatives out there? Do you face early redemption charges from your current mortgage provider?
Let me search the available options for you and recommend the most suitable lenders and products from the whole of the market.I’ll work with you and the lender to optimise your borrowing and take away the hassle of progress-chasing from start to finish.
Mortgage deal ending or changes needed?
Is your rate coming to an end in the next 4 months? Has your income changed? Do you want to borrow more, fix the term or have flexibility without paying over the odds?
Reducing the term, changing to a repayment mortgage or adding/removing someone are potential solutions. No matter what your situation there is no need to revert to your lender’s high variable rate. Let me show you the options available to you.
Or are you ready to harvest the reward?
Do you want to unlock the potential in your home? Are you over 55 and finding yourself asset rich but income poor? Do you need to take your mortgage beyond normal retirement age?
There are so many more options available to you than ever before. Let me recommend what will work for you, from retirement interest-only products to the numerous types of equity release.
And ready for whatever life throws at you?
Recent events prove that no-one can predict what life will throw at us. Having the safety and security of a roof over your head should be the least of your worries if you can’t work.
Everyone is unique, so I will work out a plan just for you, balancing your needs and working within your budget. This could include life, critical illness, income and family protection cover. I will review your current policies and work-related benefits to identify any shortfalls and ensure that you get quality financial protection that pays out when it matters.
Read client reviews on my about page or by clicking the vouched for logo below:
