Your Checklist

Make the most of your money.

Everyone is different.

Find the right products to meet your needs –

help your financial adviser to help you.

Work out what is most important to you.  It might be

• Just getting into a home of your own
• Paying off your mortgage (own it all!)
• Keeping your monthly payments low
• Minimising fees and charges
• Protecting your income if you lose your job or are too ill to work
• Protecting your dependents if you die
• Planning for retirement

Share your goals with your financial adviser.

Questions you may want to ask 

1. Whose mortgages they offer - financial advisers may offer mortgages from the whole market, from a limited number of lenders or from a single lender.
2. Which service they will provide - for example whether they will make a recommendation after they have assessed your personal needs or whether they will provide you with information only.
3. Is there an up front fee or commission for me to pay?
4. What  if I want to move house?
5. What if I want to increase my Co-Ownership share?
6. What if I want to pay off my mortgage early?
7. Am I tied for insurances to the same mortgage provider? 

Tips

You can approach more than one firm for mortgages, or you can go direct to a lender.

All firms selling mortgages must give you a Key Facts Illustration (KFI).

All KFIs present similar information in the same way, to help you compare different mortgages and make your choice.

Ask your financial adviser to show you where the KFI answers your questions. 

More on mortgage matters and money saving tips in our TOOLBOX