Financial Advice & Mortgage Broker in Northampton

Financial Advice & Mortgage Broker in Northampton
Providing you with the most suitable mortgage advice
At Derngate Wealth Management in Northampton, aim is help you find the most suitable
financial products available today. In addition, we pride ourselves on the highly personal and
intuitive financial service that we provide to our customers.
Whether you are first-time buyer looking to secure a mortgage, need pension’s advice, or
require more complex financial planning, Derngate Wealth combines the very latest technology
with our own expertise to enable us to access products and solutions for your unique
requirements.

Buy to Let Mortgage Advice
Buy to let mortgages are not regulated by the Financial Conduct Authority.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There are very attractive yields to be had when investing in property via a buy to let mortgage,
but investing in a property should not be seen as an easy way to make money. This sector of the
market is becoming increasingly more complex, but with the right advice, knowledge and
attitude it can be very profitable. For more click here
First Time Buyer Mortgages
Your home may be repossessed if you do not keep up repayments on your mortgage.
Buying your first home can be exciting, daunting and confusing. At Derngate Wealth in
Northampton, we are experienced in providing mortgage advice to first time buyers, taking the
hard work out of applying for a mortgage. We will guide you through the process from start to
finish, helping you to understand everything required in order to secure your first home.

Fixed Rate Mortgage
Your home may be repossessed if you do not keep up repayments on your mortgage.
A fixed rate mortgage is perfect for those who want to feel in control of their finances and know
exactly how much their mortgage repayments will be each month for a set period of time.
A fixed rate mortgage differs from a variable or tracker rate mortgage in that it’s unaffected by
the Bank of England’s Base rate for the term of the mortgage deal. You are effectively protected
against interest rate rises, but at the same time will not benefit from any interest rate reductions.
Click more here
Offset Mortgages
Your home may be repossessed if you do not keep up repayments on your mortgage.
An offset mortgage allows you to combine your savings or current account balances to your
mortgage, effectively reducing the amount of interest you pay on your mortgage. Not only
could this reduce your monthly repayments but it can also reduce the overall term of your
mortgage.

Tracker Mortgage
Your home may be repossessed if you do not keep up repayments on your mortgage.
The interest rate on a tracker mortgage is linked to the Bank of England base rate. If the base
rate changes, your mortgage rate will also change. Tracker rates can be set for an introductory
period (typically 2, 3 or 5 years) or it could be a lifetime tracker which means that you will be on
a tracker rate for the whole mortgage term.
Pensions Advice
The value of pensions and the income they produce can fall as well as rise. You may get back
less than you invested.
At Derngate Wealth in Northampton, we take a considered, proactive approach to retirement
advice. We take stock of your complete financial situation, taking into account your goals, how
much risk you are prepared to take and what you realistically want your financial future to look
like. Checkout Pension Enquiry here.

Investments and Savings
The value of investments and the income they produce can fall as well as rise. You may get back
less than you invested.
In order for our advisors to provide investments and savings advice, we need to find out what
your objectives are, what your attitude to investment risk is.
We provide advice on the following:
ISA’s and Tax Efficient savings
Investment Funds
Investment Bonds and more
Contact
Thank you