PCS knows that it’s important to look after your money, especially when it comes to the home you go back to at the end of the day. That’s why PCS has teamed up with mortgageforce™ to give PCS members access to expert mortgage advice from the whole of the market.
mortgageforce™ advice on your terms
- A face to face meeting, or all by phone if it is more convenient for you
- The leg work done for you: just tell us the rate and feature preferences you’d like in a new mortgage
- Advice on your budget, your repayment options and what terms suit you
- Remortgage, purchase and Buy-to-let specialist advice
- Access to hundreds of mortgage products
- Relationships with lender’s underwriters, allowing us to speed up application time
- A helping hand when it comes to forms and your supporting documentation
- No charge for expert advice, even if you decide not to proceed
- A personal service: the same advisor from start to finish
About mortgageforce™
Why spend hours looking for the right mortgage when one of our mortgageforce™ consultants can do all the hard work for you?
PCS has teamed up with mortgageforce™ so that you can take advantage of our quick and convenient, award winning service: we will compare hundreds of deals from the whole of the market, to find the most competitive and appropriate mortgage product to suit your needs.
mortgageforce™ consultants have access to deals that aren't available on the high street, and will also manage the application for you, from helping with forms, right through to liaising with the solicitor until completion.
Time to Remortgage?
If your existing mortgage is within three months of the end of its initial deal, it's time to get your remortgage application started. At mortgageforce™ we´ll help you establish what your priorities are, looking at your loan amount, the repayment terms and what extra features you might want, then we'll search the market for you and come back with the ones that would suit you best.
There are many features you might wish us to look for, such as:
- flexibility: overpaying, underpaying, borrowing back what you've put in or taking payment holidays
- offsetting: where your savings can help reduce the term or monthly payments of your mortgage
- the ability to add the arrangement fees
- free valuation and free legal work
- a droplock facility: where you have the right to drop out of your tracker rate and lock into a fixed rate at any time
cashback
- lenders that consider bad credit history, and mortgages specifically designed to help you rebuild your credit rating.
A mortgageforce™ expert guides you through exactly what deals you have access to now, and represents you, not any lender, so it´s only your priorities that are being served.
For a free, no commitment initial discussion about your options, or even just to run through the calculations of what you could save monthly with a new deal, just call us on 0800 083 1006 and mention that you are a member of PCS, or click here for us to call you back.
Purchasing
Whether you´re moving on or moving up, at mortgageforce™ we have access to hundreds of purchase mortgage products, from across the whole of the market. Our aim is to ensure you have a quick and painless experience getting the right mortgage, so we help you establish what rate and fees might suit you best, and how to set it up to reduce your debt as quickly as possible.
There are also lots of features you might wish us to look for, such as:
- flexibility: overpaying, underpaying, borrowing back what you´ve put in or taking payment holidays
- offsetting: where your savings can help reduce the term or monthly payments of your mortgage
- the ability to add the arrangement fees
- free valuations
- a droplock facility: where you have the right to drop out of your tracker rate and lock into a fixed rate at any time
- cashback
- lenders that consider bad credit history, and mortgages specifically designed to help you rebuild your credit rating.
Even if you´re only looking for a property at this stage, our advisors can get you an Agreement in Principle (AIP) from a lender, which is a very useful tool for evidencing your purchasing power with estate agents.
A mortgageforce™ broker is also invaluable for letting you know when a lender changes its rates and a new one that may suit you better becomes available before you buy. Don´t forget, a broker represents you, not any lender, so it´s only your priorities that are being served.
For a free, no commitment initial discussion about your options, just call us on 0800 083 1006 and mention that you are a member of PCS, or click here for us to call you back.
Buy to Let
If you´re considering buying a property to let out, or if you already have one but the rate is due to expire soon, mortgageforce™ can access buy to let mortgages from the whole mortgage market.
Our aim is to ensure you have a quick and painless experience getting the right mortgage, so we help you establish what rate and fees might suit you best, and what features you might need in the right buy to let mortgage such as:
- monthly payments that suit the rent you expect
- little or no Early Repayment Charges: if you want to be free to sell in the short term or after development
- flexibility: overpaying, underpaying, borrowing back what you´ve put in or taking payment holidays
- the ability to add the arrangement fees
- free valuations
A mortgageforce™ broker is also invaluable for letting you know when a lender changes its rates and a new one comes available that may suit you better. Don´t forget, a broker represents you, not any lender, so it´s only your priorities that are being served.
Even if you´re only looking for a property at this stage, our advisors can get you an Agreement in Principle (AIP) from a lender, which confirms that they would be willing to lend a certain amount subject to your income, credit score and property value range. This is a very useful tool for evidencing your purchasing power with estate agents.
For a free, no commitment initial discussion about your options, just call us on 0800 083 1006 and mention that you are a member of PCS, or click here for us to call you back.
Life and Illness Insurances Explained
Not only can we help you got the right mortgage for your home, but we´d like to be able to help to keep you and your family in that home, should something unexpected happen.
Whether you are arranging a mortgage now, or just don´t have a back-up plan to for the debts you already have, should you die or become unable to pay your mortgage due to long term illness, a mortgageforce™ consultant can help you work out where you might be unprotected.
We can offer:
- Life assurance: to repay the mortgage debt and provide support if you or your partner dies
- Family Income Benefit: to provide a monthly income for your family if you die
- Income Protection (or Permanent Health Insurance): to provide you an income all the way up to retirement age, if you are unable to work due to long term illness
- Critical Illness Cover (CIC): to pay out a lump sum on diagnosis of a critical illness to pay off your debt or provide care or assistance.
- Accident and Sickness cover: to pay your mortgage for 12 months should you suffer an accident
If you or your partner don´t already have protection in place, we can review your needs and recommend the right protection. For a free, no commitment initial discussion about your options, just call us on 0800 083 1006 and mention that you are a member of PCS, or click here for us to call you back
Redundancy Cover
Not only can mortgageforce™ help you get the right mortgage for your home, but we´d like to be able to help to keep you and your family in that home, should something unexpected happen.
If you rely on earned income to pay your mortgage, then being made redundant can have disastrous effects. Thankfully, in most cases, an affordable insurance premium paid monthly can secure a policy that will pay your mortgage for twelve months, plus a little extra for necessary bills. Unlike many other insurances, your age and whether you smoke does not count against you for premium pricing. Just ask us for a quote.
If you or your partner don´t already have protection in place and would like free, no commitment discussion about your options, just call us on 0800 083 1006 and mention that you are a member of PCS, or click here for us to call you call back.
Home and Contents Insurance
If you have a home, with things in it, you´ll probably want to make sure you can replace it if an unexpected catastrophe like a flood happens, or it all goes up in smoke. We can offer buildings insurance, which all mortgage lenders deem compulsory as it covers the cost of rebuilding the property, and contents insurance to whatever value you think suits your needs.
Even if you already have insurance, you could be over-paying for your cover. You may also be under-insured for the contents of your home such as replacing the contents of your wardrobe, or electrical.
Whether you want to see if your existing policy is competitive, or you need Buildings insurance for a purchase, a mortgageforce™ advisor can provide you with a quote, and set up your policy for no extra charge.
For a free, no commitment initial discussion about your options, just call us on 0800 083 1006 and mention that you are a member of PCS, or click here for us to call you back.
Your home may be repossessed if you do not keep up repayments on your mortgage. There may be occasions where we may charge a fee, which may depend upon your circumstances. In these situations we will inform you at an early stage, the fee being no more than 1.75% of the loan amount.