Mortgages


Finding the right mortgage can be tricky. Our aim is to make the process as painless as possible for you! We offer a range of products from the whole of market, which helps us to find the most suitable deal for your circumstances.

Here are a few of the products we can offer you:

  • First Time Buyers - we could find the right deal to help you get on the property ladder.
  • Purchases - we can help you find a mortgage for your new home.
  • Remortgages - whether you want a new deal or are raising capital we could help.
  • Portfolio Management - We could help you arrange mortgages for your Buy to Let portfolio.
  • Buy to Let - find the right deal to secure your investment.
  • Larger Loans - we could find you a great deal on your larger loan amount.

Below are two examples of the main types of mortgage available today:

Repayment Mortgage

You pay off the capital each month as part of your regular payment. With the 'repayment' method, your monthly payment will contain an element of repayment of your capital in each payment alongside the interest due. The proportion of each will change through the term of the mortgage. As the debt reduces, the amount of capital repaid increases; this would normally increase your equity in the property. Making payments in full as they fall due assures that the mortgage will be repaid in full at the end of the term.

Interest Only Mortgages

This is a mortgage where interest-only is repayable and the capital is intended to be repaid at the end of the term by an appropriate repayment vehicle we are not qualified advise on repayment vehicle options. Occasionally, people will take out an interest-only mortgage, utilising a number of methods of ultimate repayment, which may even involve selling a property to repay the loan.

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We don’t normally charge a broker fee, however should a fee be charged it will typically be £295, payable on completion.  The precise amount will depend on your circumstances.

Please note it is your responsibility to ensure that the loan is repaid at the end of the term.

Buy to Let Mortgages are generally not regulated by the Financial Services Authority.

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

Please contact us for further information