Mortgages

A mortgage is likely to be the single largest financial commitment you ever make. There's a wide range of mortgage products out there, with varying interest rates and repayment options available.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

A broker fee of £500 or 0.5% of the loan amount if greater. Of this, a non-refundable administration fee of £195 is payable up front, with the balance payable upon production of a mortgage offer from the lender. For example, on a £100,000 mortgage this would equate to a fee of £500. We will also receive commission from the lender.


Offset Mortgages

Offset Mortgages

An offset mortgage enables you to use your savings to reduce your mortgage balance and the interest you pay on it.

Remortgages

Remortgages

Remortgaging means switching your mortgage to another deal with another lender without moving property.

Second Charge Loans

Second Charge Loans

Second charge loans can be secured against residential or Buy to Let properties.

Self Build Mortgages

Self Build Mortgages

These are mortgages suited to people building a new home. With a self build mortgage, money is released in stages as the build progresses.

Bridging Finance

Bridging Finance

A bridging loan is taken out to ‘bridge’ the gap between the purchase of a new property and the sale of an existing one.

Buy to Let Mortgages

Buy to Let Mortgages

These types of mortgages are designed for property investors and private landlords, who do not intend to live in the purchased property but will let property to tenants.

Buying a home

Buying a home

Before you choose a specific deal, you need to decide what type of mortgage is the most appropriate for your needs.

Equity Release

Equity Release

Equity release can help people release cash (equity) in their homes for a particular purpose, like supplementing retirement income.

First Time Buyers

First Time Buyers

People buying their first home often have specific needs when it comes to finding a mortgage. A range of mortgages exists specifically for this market sector.

Flexible Mortgages

Flexible Mortgages

With options for overpayment and payment ‘holidays’, a flexible mortgage can make the traditional 25-year British mortgage look rather old-fashioned.

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