For most of us, taking out a mortgage is the largest financial undertaking we’ll ever make – and we usually make it at exactly the time when we can least afford to do so. House prices have soared in recent years making it incredibly difficult for first-time buyers to get even a toe on the first rung of the property ladder. Worse still, and usually even before we’ve taken the mortgage out, is the realisation that it’s almost certain that we’ll need to increase the commitment at some time in the future to cover changes in our circumstances.

A mortgage is a massive commitment, one that most of us will have for the rest of our working lives. There will be good times and there will be bad. Our income will fluctuate. Interest rates will fluctuate. There will be times when we can easily afford the repayments and there will be times when we definitely can’t. The consequences of getting it wrong can be catastrophic; look at any mortgage provider’s website or literature and you’ll see stern warnings such as: “Your home may be repossessed if you do not keep up repayments”.

So you need to get it right, right from the start. But how do you choose what’s best? How do you manage the risk? How do you prevent your mortgage from becoming a life-long millstone around your neck?

How can One Financial Solutions help you?

One Financial Solutions is here to help you no matter whether you’re a first-time buyer, thinking about ‘buy-to-let’ as an investment opportunity or wanting to know the pros and cons of equity release.

Buying a property is probably the greatest financial undertaking most of us will ever make; it’s a huge commitment and one that needs to be thoroughly considered, ideally with the help of an expert guide. As a truly independent firm of financial aadviser we’ll make sure the mortgage we recommend to you is selected from the entire market and is the one that is best for you.

So, if you’re looking for a mortgage or just want advice on an associated subject, please call us on 020 3714 9565 or ask us to call you by sending an email to


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