INDEPENDENT
MORTGAGE
ADVICE
THAT YOU CAN TRUST.
ABOUT
US
Our goal at Odex Financial is to make complicated financial transactions as simple as possible for both individuals and businesses alike. We do this by providing independent, bespoke advice based on your personal circumstances.
Odex Financial utilise new technology in the mortgage market which enables us to deliver the best outcome for our clients in a timely and cost-effective manner.
Whether you're a first time buyer looking to get on the property ladder, or an experienced portfolio landlord looking for a specialist solution to a complex buy-to-let scenario, we are here to help.
BUY TO
LET
The Buy To Let market has seen substantial changes in recent years and as a result, a "one size fits all" policy doesn't work for a large number of landlords and investors. Tougher Industry standard stress tests are often leaving landlords falling short on the amount they need to borrow when looking to purchase new properties or even remortgage those in their existing portfolio.
With the changes to mortgage interest relief and the loss of “wear and tear” allowance, landlords are advised to seek advice from a tax specialist and consider using a Ltd company (known as a Special Purpose Vehicle - SPV) for both their existing portfolio and future purchases.
By undertaking an independent assessment of the market, we are often able to tailor a bespoke solution to suit the needs of individuals and companies alike.
REMORTGAGE
Remortgaging from your current lender can often be a tedious process, using an independent adviser should make this as hassle free as possible. We do our utmost to ensure our clients benefit from the most suitable mortgage products available on the market, tailored for their specific needs.
Whether it be the most competitive interest rate available, or a lender that allows them to raise sufficient capital for any purpose (including debt consolidation and home improvements) We will always represent your needs to the best of our ability on an independent basis.
MOVING
HOME
Moving home can be one of the most stressful processes you have to deal with. By having adequate plans in place and seeking independent mortgage advice, you can minimise the headache involved (to a degree!) and budget for the onward purchase.
It is important to understand the full costs of moving, as well as obtaining a competitive, suitable mortgage to facilitate your needs for the future. We aim to be easily accessible for all my clients throughout the whole process and also to keep them well informed with the progress of their mortgage application.
FIRST TIME
BUYER
As a first time buyer, practically every part of the process is new to you and can quickly become confusing unless the process is explained properly from the outset. We think it is key for every applicant to understand exactly what is happening throughout the whole process and why each stage is necessary.
Getting on the property ladder is becoming increasingly difficult for first time buyers and as such, guidance from an earlier stage in the process can be extremely important to allow you to save and budget for the deposit/fees involved to enable you to realise your ambitions of owning your first home, be it months or years prior to actually purchasing.
With the various "help to buy" schemes available and many lenders offering mortgages with smaller deposits, you could be closer to owning your own home than you think.
COMMERCIAL
Securing competitive commercial finance is often key for new and established businesses to move forward and see their plans through to fruition. It can be frustrating for business owners to approach their bank and be told they can get no access to further or initial funding required due to set criteria not being met.
Different lenders have different policies and are willing to take a view on different business structures with some having the option to decide themselves whether to back you at a branch level, as opposed to going through the conventional system.
If you're looking to change or apply for new commercial funding, we can help find a lender that suits you and your business and let you concentrate on what you do best - running your business. No one knows your business like you do and as such we are here to help you find a suitable solution to get access to the funding you need.
CONTACT
US
Address
Barn Farm, Station Road, Llanwern,
Newport, NP18 2DW
Phone
07940 493 675
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