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Remortgage

Borrow More

Purchase

Buy to Let

Tell us your plans.

My rate ends in over 7 months time

My rate ends in less than 7 months

I am on the lender’s Standard Variable Rate

What’s your situation?

I am unsure on my options

I am worried about my outgoings and don’t want to wait until my rate ends

I want to get prepared for the future / I am curious about rates

I want to borrow extra money

What rates are you looking for?

I have an open mind

I am interested in fixed rates

I am interested in variable rates

Do you need to make any changes?

Explore full or partial interest only

I just want a new rate

Stretch term to reduce payments

Have you had a major change of circumstances recently?

Yes

What’s your main objective?

Property Investment

Debt Consolidation

Home Improvements

Combination / Other

Business Purposes

What type?

Holiday home / Second home

First Buy to Let

Additional Buy to Let

Other

Have you found a property you would like to invest in yet?

Yes

Tell us about your recent credit history.

I am keeping up with my payments

I am falling behind with my payments

Have you had a major change in circumstances recently?

Yes

Tell us what you are hoping to do.

Redecorate

New kitchen / bathroom

Garden

Improve energy efficiency

Combination / Other

Extension / Loft Conversion

Driveway

Have you received quotes for your home improvements?

Yes

Is any of the additional borrowing for debt consolidation?

Yes

What would you like to know?

I am unsure on my options

I want to secure a rate

I want to make some changes to my mortgage

What rates are you looking for?

I have an open mind

I am interested in fixed rates

I am interested in variable rates

Do you need to make any changes?

Explore full or partial interest only

I just want a new rate

Stretch term to reduce payments

Have you had a major change of circumstances recently?

Yes

Tell us your plans.

Change to Interest Only / Repayment

Extend / Decrease Term

Combination

Borrow more money

What’s driving the need for change?

I have surplus income over outgoings

I need to reduce my outgoings

Has your household income recently increased/reduced?

Yes

What’s your main objective?

Property Investment

Debt Consolidation

Home Improvements

Combination / Other

Business Purposes

What type?

Holiday home / Second home

First BTL

Additional BTL

Other / development

Have you found a property you would like to invest in yet?

Yes

Tell us about your recent credit history.

I am keeping up with my payments

I am falling behind with my payments

Have you had a major change in circumstances recently?

Yes

Tell us what you are hoping to do.

Redecorate

New kitchen / bathroom

Garden

Improve energy efficiency

Combination / Other

Extension / Loft Conversion

Driveway

Have you received quotes for your home improvements?

Yes

Is any of the additional borrowing for debt consolidation?

Yes

Is it urgent that you receive advice?

Yes

Are you happy for us to call you?

Yes

Please call me.

Get in touch!

What kind of loan?

Remortgage

Second Charge

Unsure

Tell us your plan.

My rate ends in over 7 months time

My rate ends in less than 7 months

I am on the lender’s Standard Variable Rate

What is your main objective?

Property Investment

Debt Consolidation

Home Improvements

Combination / Other

Business Purposes

What type?

Holiday home / Second home

First Buy to Let

Additional Buy to Let

Other

Have you found a property you would like to invest in yet?

Yes

Tell us about your recent credit history.

I am keeping up with my repayments

I am falling behind with my payments

Have you had a major change in circumstances recently?

Yes

Tell us what you are hoping to do.

Redecorate

New kitchen / bathroom

Garden

Improve energy efficiency

Combination / Other

Extension / Loft Conversion

Driveway

Have you received quotes for your home improvements?

Yes

Is any of the additional borrowing for debt consolidation?

Yes

Please call me.

Get in touch!

Is it urgent that you receive advice?

Yes

Are you happy for us to call you?

Yes

Tell us about what you are doing.

Buying my first home

Buying my next home

Commercial / Bridging

For investment purposes

Other

About your requirements.

Find out how much I can borrow

I need an Agreement in Principle

Talk to a Mortgage Adviser

Tell us your plans.

Buying a bigger home & selling current home

Downsizing & selling current home

Buying second home

Have you sold your home?

Yes

It's on the market

Usage.

Family member

Holiday home

To be let out

Which family member?

Child

Parent

Sibling

Other

Will the holiday home be based in the UK?

Yes

Do you intend to let it out while it’s not in use?

Yes

Do you intend to occupy the property for more than 90 days per year?

Yes

Tell us about the scenario.

My business needs a premises

I want to buy a commercial property

I need commercial finance (bridging / development)

Tell us your plans.

Buy first BTL

Add to my portfolio

Add value then sell

What’s your key objective?

Increase monthly cashflow

Long term capital growth

Retirement planning

Other / Combination

Do you already own your own home?

Yes

Tell us about the structure.

Limited Company

Personal name

Other

Unsure

Do you need to borrow money for the purchase?

Yes

Yes, including some refurbishment costs

Unsure

What do you need to know?

My borrowing options

Likely interest rates & fees

Combination

Do you need advice on your remortgage options for when the project is finished?

Yes

Are you within 8 weeks of the project finishing?

Yes

Would you like help finding a solicitor for the remortgage/refinance?

Yes

Tell us about your experience.

First project

Second project

I have overseen multiple projects in the past

Do you understand bridging or development finance?

Yes, but never used

Yes, I have used in the past

No, I would like to learn more

Have you started viewing properties yet?

Yes

Would you like help finding a solicitor that specialises in bridging and development finance?

Yes

Tell us your plans.

Looking at various options

Have you started viewing properties yet?

Yes

Would you like help finding a solicitor?

Yes

Have you recently downloaded a copy of your credit file?

Yes

Please call me.

Get in touch!

Tell us your plans.

Buy first BTL

Add to my portfolio

Borrow more money against one of my existing buy to lets

What’s your key objective?

Increase monthly cashflow

Long term capital growth

Retirement planning

Other / Combination

What type?

Standard

Holiday Let

Student Let

House of Multiple Occupation

Other / Unsure

What structure will you use?

To be bought as an individual

In a limited company

Undecided

I need tax advice before deciding

I didn't know I had an option

How many buy to lets do you have?

One or Two

Three

Between Four and Nine

Ten to Twenty

Over Twenty

How many mortgages do you have on them?

None

One or Two

Three

Four to Nine

Ten or More

What structure will you use?

To be bought as an individual

In a limited company

Undecided

I need tax advice before deciding

I didn't know I had an option

What type of buy to let are you interested in?

Standard

Holiday Let

Student Let

House of Multiple Occupation

Other / Unsure

Where will the deposit come from?

I have cash savings

I have money arriving soon

I want to raise the money from another property I own

I have no deposit yet

Other / Combination

Have you found a property you would like to buy?

Yes, I have an accepted offer

Yes, but I am still negotiating

Yes, but I have not yet offered

No, I want to understand my options first

No, but I have viewings booked soon

We recommend tax advice. Would you like us to introduce you to a tax adviser?

Yes

Do you know how to check the EPC rating of a property?

Yes

What’s the purpose of the additional borrowing?

Property Investment

Debt Consolidation

Home Improvements

Combination / Other

Business Purposes

What type?

Other / development

Holiday home / Second home

First BTL

Additional BTL

Have you found a property you would like to invest in yet?

Yes

Tell us about your recent credit history.

I am keeping up with my payments

I am falling behind with my payments

Have you had a major change in circumstances recently?

Yes

Tell us what you are hoping to do.

Redecorate

New kitchen / bathroom

Garden

Improve energy efficiency

Combination / Other

Extension / Loft Conversion

Driveway

Have you received quotes for your home improvements?

Yes

Is any of the additional borrowing for debt consolidation?

Yes

Please call me.

Get in touch!

Is it urgent that you receive advice?

Yes

Are you happy for us to call you?

Yes

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Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Commercial buy to lets are not regulated by the Financial Conduct Authority (FCA).

Most buy to let mortgages are not regulated by the Financial Conduct Authority (FCA).

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Prefer to speak to someone directly?

Call Us

01225 437437

Email Us

enquiries@wisefs.co.uk

Find Us

31 Market Place, Chippenham, Wiltshire, SN15 3HP

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