Testmonials
"The process was smooth and stress-free, thanks to Sekkappan’s clear communication and expert advice."
Luton (Bedfordshire)
First-time buyer
"Sekkappan and his team have been remarkable. Their service, advice, and support have always been consistent."
Middlesex
Remortgage client
"We were first-time buyers with no idea where to start. Sekkappan made the whole process easy and explained everything clearly."
Harrow
First-time buyer
"Sekkappan is very friendly, approachable, and professional. He listened to what we wanted and found us the best deal possible."
Worcestershire
Mortgage renewal client
"His service has always been first class, and I wouldn't go anywhere else for mortgage advice."
Guildford
Buy-to-let landlord
"Sekkappan and his staff helped greatly in securing the best rates for me."
Guildford
Buy-to-let landlord
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Get in Touch with Us for Personalized Finance Assistance
Why Personal Advice Beats Calculators
It’s natural to want quick answers when planning your mortgage, whether it’s figuring out “how much can I borrow?” or “what will my monthly payments be?” With so many websites offering calculators to give you these answers at the click of a button, you might wonder why we don’t have one on our website.
The reason is simple: we believe in tailored advice, not estimates.
The Shortcomings of Online Calculators
Online calculators, though convenient, often provide only rough estimates that don’t account for the nuances of your financial situation. Factors like your credit history, employment changes, or ongoing loans are essential for understanding your affordability but are easily missed by these tools.
A broad estimate might be misleading, and in some cases, could lead to decisions that don’t reflect your real financial standing.
Personalised Advice: Tailored to You
At Nachu Finance, we offer more than just numbers. Our service is built around your unique circumstances, giving you clarity and confidence:
- Your Maximum Loan Size
We help you understand how managing your loans and credit cards can maximize the amount you can borrow. Beyond simple salary multipliers, we give you a realistic idea of your full borrowing potential. - The Right Mortgage Term
A 25-year term might be standard, but is it the best option for you? We’ll show you how adjusting the term can impact your monthly payments, interest, and long-term financial plans. - Optimising Your Deposit
A larger deposit opens the door to better mortgage deals. We’ll explain how different deposit sizes affect your loan options and monthly repayments, helping you achieve the most value from your savings. - Considering All Costs
Stamp Duty, solicitor fees, and other upfront costs can add up quickly. We take everything into account so you’re fully prepared for the financial commitment. - Monthly Outgoings
Your mortgage is just one piece of the puzzle. We’ll help you plan for additional costs like insurance, council tax, and other monthly expenses, ensuring you’re financially secure.
How we structure the transaction can make a world of difference to the deal itself. There are several options to consider based on your personal circumstances. For residential mortgages, we explore whether the property will be owned in single names, joint names, or even more than two names. We can also look into more complex structures like joint borrower sole proprietor arrangements.
For buy-to-let mortgages, ownership can be structured through a Ltd company or as tenants in common with unequal shares, allowing for more flexibility in terms of ownership and tax planning.
Whether it’s deciding on ownership structures, choosing between these different mortgage options, or deciding the ideal term or repayment method, the recommended solution can significantly impact both your short-term and long-term financial plans.
When it comes to a decision as important as your mortgage, why rely on estimates that may not fit your situation? Our free, no-obligation meeting provides personalised advice without any pressure. No mailing lists, no hard sell—just the support you need to make informed decisions.
Once we’ve gathered the necessary details about your circumstances and requirements, we’ll share a dynamic, personalised spreadsheet tailored specifically to your situation. This interactive document allows you to explore various scenarios, such as how changes in property value, deposit size, or mortgage term will affect both your initial costs and monthly payments.
We can present such an interactive document for both residential and buy-to-let mortgages, as well as provide insights on the insurance side, including life, critical illness, and income protection. This approach has become a favourite among our clients, offering clarity, flexibility, and a hands-on way to understand your options before making any commitments.
Our Transparency Promise
We’re Not a Comparison Website
We often receive requests from clients to quickly compare interest rates or challenge us to beat a rate they’ve found elsewhere. In such cases, we politely decline.
While we understand that rates are important, we firmly believe they are not the only factor to consider. Attracting you with a low rate, only to later inform you that it’s not available for your specific circumstances, doesn’t serve anyone well.
If you are simply looking for rate comparisons, there are plenty of comparison websites that can provide that service. However, we pride ourselves on offering tailored solutions by fully understanding your circumstances and requirements. Achieving this level of personalization requires a more in-depth engagement, which is why we don’t offer quick quotes or rate comparisons.
We fully respect that you may want to shop around, but we believe the focus should be on selecting the right adviser—someone you can trust and work closely with. As whole-of-market, independent advisers, we have access to all available rates from various lenders and can guide you to the best solution based on your unique situation.
Get in touch for your personalised calculations
With our extensive experience, glowing client testimonials, and the honour of being a Vouchedfor Top Rated Adviser every year, combined with our tech-savvy, client-focused, and flexible approach, reaching out to us should feel both easy and rewarding.
Get in touch today to book your free, no-obligation meeting and gain clarity on your options.
