FAQ’s – what you need to know

FAQ’s 

1. What does Charles Cameron offer employees?

Charles Cameron offers employees specialised, independent mortgage advice. Our services are tailored to help you navigate the complexities of the mortgage market with ease and confidence. We provide comprehensive support throughout the entire mortgage process, ensuring accuracy, efficiency, and peace of mind.  

2. Who might this benefit help?

Our services are designed to benefit all employees, who are considering buying a property, remortgaging, or reviewing their existing mortgage. Whether you are a first-time homebuyer, an existing homeowner, or simply exploring your mortgage options, our expertise and market access can help you make informed decisions that align with your financial goals. Additionally, this benefit is extended to your friends and family so this can help you and your nearest and dearest. 

3. Why should people come to you?

People should choose Charles Cameron for their mortgage needs because we offer unbiased, independent advice, ensuring that you get the most suitable mortgage for your individual circumstances. 

Exclusive rates – We often have access to exclusive mortgage rates that you won’t find elsewhere, ensuring you can secure the most cost-effective deal for your circumstances. 

Personalised guidance and support – Our experienced team is dedicated to assisting you at every stage of the mortgage journey. We aim to make the process as stress-free and efficient as possible. 

Application management – We take care of the administrative aspects of your mortgage application, liaising with lenders, solicitors, and estate agents on your behalf, ensuring a seamless experience from start to finish. 

Mortgage protection – Our protection specialists will review your existing policies and work benefits to ensure your mortgage is safeguarded in the event of death or long-term sickness. 

Expert recommendations – We offer advice on a wide range of mortgage-related matters, including residential and buy-to-let purchases, remortgages, and retirement interest-only mortgages. 

Additional services: We can assist with finding solicitors, surveyors, and reviewing your home insurance, leveraging our industry contacts to ensure you receive the best support at competitive prices. 

4. Do you have access to the whole market in terms of mortgage deals?

We have access to the whole mortgage market – We have no ties to any specific lender, which means we can source the most competitive mortgage deals available, ensuring you get the best possible terms. 

5. What’s your advice to people needing to remortgage next year – tracker or fixed?

The choice between a tracker and fixed-rate mortgage depends on your financial goals and risk tolerance. A fixed-rate mortgage offers stability with consistent monthly payments, making it ideal for those who value predictability. On the other hand, a tracker mortgage may provide lower initial rates but comes with the risk of potential rate increases. We recommend discussing your unique circumstances with us, and we will provide tailored advice to help you make an informed decision. 

6. What’s your advice for people trying to get onto the housing ladder?              

Getting onto the housing ladder can be a significant step. We recommend the following: 

Assess your financial readiness: Review your budget and savings to determine how much you can comfortably afford for a down payment and ongoing mortgage payments. 

Build a strong credit profile: Maintain good credit habits to secure favourable mortgage rates. 

Explore available government schemes: Inquire about first-time buyer programs or incentives that may assist you in purchasing your first home. 

Seek professional advice: Consult with us to explore mortgage options, including exclusive rates and financial strategies to achieve your homeownership goals. 

8. How can   employees access your services?

Accessing our services is easy. We hold 30-minute meetings that are pre-bookable at any time and date to suit. Our team of advisers can accommodate meetings 8 a.m. to 8 p.m. Monday to Friday and Saturday 9 a.m. to 6 p.m. You can contact us via email info@ccameron.co.uk or phone 020 7953 7040 to initiate the process. The booking site also features a useful knowledge hub, mortgage tools including calculators and affordability reports as well as recorded webinars on everything mortgage related.