Sage Financial Solutions Expands Its Services: Introducing Mortgage Advice

Your home. Your mortgage. Your future. Now with Sage.

We’re excited to announce the next chapter for Sage Financial Solutions: we’re expanding our services to include mortgage advice.

From protecting your income and your family to helping safeguard your business, Sage has always been about making important financial decisions feel clearer, simpler and more personal.

Now, we can support you with another of life’s biggest financial decisions: your mortgage.

Whether you’re preparing to buy your first home, thinking about moving, approaching the end of your current mortgage deal, investing in property or trying to navigate the mortgage market while self employed, our team is here to help you understand your options and move forward with confidence.

Mortgage advice without the confusion

Mortgages can feel complicated.

Fixed or variable? How much can you borrow? How much deposit will you need? When should you remortgage? And what happens if your income doesn’t fit neatly into the traditional nine to five?

With different lenders, products and lending criteria to consider, knowing where to begin can sometimes be the hardest part.

At Sage Financial Solutions, we believe mortgage advice should feel different.

Our advisors take the time to understand your circumstances, your finances and what you’re hoping to achieve before helping you explore the mortgage options available to you.

Most importantly, we’ll explain it in language that actually makes sense.

No unnecessary jargon. No pressure. Just friendly, straightforward guidance through one of the biggest financial decisions you’re likely to make.

First Time Buyer Mortgages

Buying your first home should be exciting, but we know there can be a lot to get your head around.

How much could you borrow? What deposit should you aim for? What is a Mortgage Agreement in Principle? What other costs should you prepare for?

You don’t need to work it all out by yourself.

We can help you understand your potential borrowing, prepare for the mortgage process, explore suitable mortgage options and guide you through your application.

And you don’t need to have found your dream home before speaking to us.

If buying your first property is still a future goal, having an early conversation can help you understand where you stand and what you might need to do next.

Mortgages for the Self Employed

Being self employed doesn’t mean getting a mortgage is out of reach.

Many lenders consider applications from self employed borrowers, but the way your income is assessed can vary considerably between lenders.

If you’re a sole trader, limited company director, contractor, business partner or have multiple sources of income, we’ll take the time to understand how you earn your money and how your business is structured.

Your finances might not fit neatly into a box, and that’s exactly why taking a more personal approach matters.

We’ll help you understand what information may be required and explore mortgage options based on your individual circumstances.

Remortgaging Your Home

Your mortgage might have suited you perfectly when you first arranged it, but things change.

Your existing deal may be approaching its end. Your financial circumstances may have changed. You might want greater certainty over your monthly payments, change your mortgage term or potentially raise funds for home improvements or another purpose.

Whatever the reason, it can be worth reviewing your mortgage rather than simply allowing your existing deal to roll over without considering your options.

Our team can review your current mortgage alongside your circumstances and future plans, explain the options available and help you decide what could be right for you.

Buy to Let Mortgages

Our new mortgage service also includes support for landlords and property investors.

Whether you’re considering purchasing your first rental property, expanding an existing portfolio, remortgaging an investment property or reviewing your current Buy to Let mortgage, we can help you navigate the process.

Buy to Let lending can work differently from a residential mortgage, with lenders potentially considering factors including expected rental income, your deposit, your financial circumstances and the property itself.

We’ll take the time to understand your plans and help you explore the options available.

The Financial Conduct Authority does not regulate most forms of Buy to Let mortgages.

More than just finding a mortgage

For us, expanding into mortgages feels like a natural next step.

A mortgage rarely exists in isolation.

Buying a home can mean taking on one of the largest financial commitments of your life. It can also make you think differently about protecting your income, your family and your financial future.

Sage already supports individuals, families and businesses with financial protection, including life insurance, critical illness cover, income protection and private medical insurance.

By adding mortgage advice to our services, we can support our clients through even more of those important financial moments.

It’s all part of the same Sage philosophy: listen first, explain clearly and provide advice centred around the person sitting in front of us.

Ready to talk mortgages?

Whether you’re months away from buying, have already started viewing properties or simply want to know what your options could look like, you’re welcome to start the conversation.

Simply fill in our consultation form and choose a time that works for you. One of our friendly team will give you a call at your selected time to learn more about your circumstances and discuss how we may be able to help.

No pressure. No confusing terminology. Just a straightforward conversation about your mortgage and your next steps.

Book your mortgage consultation with Sage Financial Solutions today.

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