Moving Home - Absolute Financial Management | Independent Financial Advisors

Stress free moving.

Moving home can be one of the most stressful events that we undertake in life. Our mortgage advisers have the knowledge and expertise to find the best mortgage solution for your move helping to minimise any financial stress caused.

From first time buyers to packing up and moving home again we’ve got mortgage advice for everyone, no matter what stage of your life.

Find the best mortgage solution for you

Minimise the financial stress of moving home

Tailored advice to suit your personal needs

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Your Journey

Speak to an adviser

One of our financial advisers will contact you using your preferred method of communication to discuss your financial objectives and current circumstances.

Find a plan that works for you

Your adviser will support you throughout your journey with us, putting your needs at the forefront of every decision.

Begin your journey

Now you're on the road to financial freedom. Your adviser will support you throughout your journey with us, putting your needs at the forefront of every decision.

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If you would like to join our client network and work towards achieving your financial goals then apply today by using our easy online form.

Become a client

    
 
 
        
   Sharon Howells 
 
 
 
  I would highly recommend Brad at Absolute Financial Management.  He carried out an assessment of our retirement savings and was extremely knowledgeable and thorough.  He was very good at explaining complex financial information in simple terms that we understood. He clearly had a focus only on our best interests. I would definitely use Absolute Financial Management again in the future.
  
 
       
   Alexander Dowds 
 
 
 
  just when you think things cant get any better, you come across a company like this. from the first phone call you get vip service and a level of friendliness many other organisations have forgotten.
John, Yvette and Spencer but to name a few. thank you.
  
 
       
   Simon Aplin 
 
 
 
  An excellent service. Helped us sort out a new Mortgage and also helped with future planning with regards to pensions and savings. We will continue to use Absolute Financial Management
  
 
       
   Gemma Pass 
 
 
 
  Highly recommend Victoria Smith at Absolute Finance, she was amazing from start to finish, she knew her stuff, she was professional, and she kept us sane through the process which wasnt the easiest. We wouldn’t have been able to do it without her. She was a massive support and having a personal contact through the process made all the difference. Thank you!!
  
 
       
   Sarah Byrne 
 
 
 
  Couldn’t be happier with the fantastic service provided by Victoria Smith at Absolute Financial Management. Friendly, professional and extremely knowledgable. She has put my financial affairs in good order and given me great peace of mind. I wish I had used her services sooner. Highly recommend.
  
 
       
   Laurence Leyden 
 
 
 
  Victoria was exactly what we needed when assessing our financial position. She made it easy to understand some fairly complex issues and came up with short, medium and long term suggestions that fully met the brief. We now have a good idea of our short term actions and a viable plan for the future. Overall, Absolute were a pleasant change from the usual advisory firms. Victoria was efficient and responsive and we would have no hesitation in recommending her to anyone requiring financial advice.

Making an informed decision

Benefits

Considerations

Later life mortgages can provide older homeowners with a source of cash that they can use to fund their retirement, pay for home improvements, or cover unexpected expenses.

Depending on the type of later life mortgage, homeowners may not need to make monthly repayments. Instead, the interest is added to the outstanding loan balance over time, which is then repaid when the property is sold or the homeowner passes away.

With a lifetime mortgage, homeowners can retain ownership of their property while still accessing the equity in it. This can be particularly important for those who want to remain in their homes for as long as possible.

Some later life mortgages offer fixed interest rates, which can provide peace of mind for homeowners who want to know exactly how much they will owe over the life of the loan.

The cash released from a later life mortgage is generally tax-free, which can be an important consideration for those who want to maximise their income in retirement.

Retirement interest-only mortgages are sometimes available from a younger age (50) and usually only repaid when your property is sold and are often easier to get than a standard interest-only mortgage.

Taking out a later life mortgage can reduce the amount of inheritance that you can leave to your beneficiaries. This is because the loan plus interest must be repaid when the property is sold or the homeowner passes away, which can reduce the amount of equity in the property that can be passed on to heirs.

Later life mortgages can be more expensive than traditional mortgages, with arrangement fees, legal fees, and other costs adding up over time.

Depending on the type of later life mortgage and how the funds are used, it could affect eligibility for certain state benefits, such as means-tested benefits.

The range of later life mortgages available is still relatively limited compared to traditional mortgages, and not all lenders offer them.

If the value of the property falls significantly or the interest added to the loan balance outstrips the growth in the property's value, there is a risk of negative equity, which means the homeowner owes more than the property is worth.

Having a retirement interest-only mortgage always involves paying off the interest as you go and the application process is slightly more stringent than with an interest roll-up lifetime mortgage.

Important Information

It is important to understand the risk associated with any form of financial product as well as the fees involved.

Risk Warning

Your home may be repossessed if you do not keep up the repayments on your mortgage.

Fees

A fee of £795 when you apply for an equity release product, we will also be paid a commission from the lifetime mortgage lender / home reversion plan provider.

A fee of £145 when you apply for a mortgage product switch or mortgage transfer, we will also be paid a commission from the lender.

A fee of £395 when you apply for a mortgage purchase or re-mortgage, we will also be paid a commission from the lender.

Related Services

Equity Release

Release cash from your home.

Learn More

Remortgaging

Find the right remortgaging option for you.

Learn More

Later life mortgages

Explore your options

Learn More

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Absolute Financial Management is authorised and regulated by the Financial Conduct Authority, FCA Number 401135 / https://register.fca.org.uk/

Registered in England and Wales 05027747. Registered Office The Bull Yard, R/O 75 High Street, Ashford, Kent, United Kingdom, TN24 8SN.

Should you have cause to complain, and you are not satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR. Website: www.financial-ombudsman.org.uk.

Sharon Howells

I would highly recommend Brad at Absolute Financial Management. He carried out an assessment of our retirement savings and was extremely knowledgeable and thorough. He was very good at explaining complex financial information in simple terms that we understood. He clearly had a focus only on our best interests. I would definitely use Absolute Financial Management again in the future.

Alexander Dowds

just when you think things cant get any better, you come across a company like this. from the first phone call you get vip service and a level of friendliness many other organisations have forgotten. John, Yvette and Spencer but to name a few. thank you.

Simon Aplin

An excellent service. Helped us sort out a new Mortgage and also helped with future planning with regards to pensions and savings. We will continue to use Absolute Financial Management

Gemma Pass

Highly recommend Victoria Smith at Absolute Finance, she was amazing from start to finish, she knew her stuff, she was professional, and she kept us sane through the process which wasnt the easiest. We wouldn’t have been able to do it without her. She was a massive support and having a personal contact through the process made all the difference. Thank you!!

Sarah Byrne

Couldn’t be happier with the fantastic service provided by Victoria Smith at Absolute Financial Management. Friendly, professional and extremely knowledgable. She has put my financial affairs in good order and given me great peace of mind. I wish I had used her services sooner. Highly recommend.

Laurence Leyden

Victoria was exactly what we needed when assessing our financial position. She made it easy to understand some fairly complex issues and came up with short, medium and long term suggestions that fully met the brief. We now have a good idea of our short term actions and a viable plan for the future. Overall, Absolute were a pleasant change from the usual advisory firms. Victoria was efficient and responsive and we would have no hesitation in recommending her to anyone requiring financial advice.