Mortgage Services
YOUR MORTGAGE IS PROBABLY THE LARGEST FINANCIAL TRANSACTION AND COMMITMENT YOU ARE LIKELY TO UNDERTAKE. SURELY THEN YOU SHOULD SEEK MORTGAGE ADVICE WHICH IS INDIVIDUALLY TAILORED TO YOUR NEEDS AND REQUIREMENTS?
WE ARE NOT TIED TO ANY PARTICULAR LENDER, WHICH MEANS THAT WE HAVE THE ABILITY TO ACT ON YOUR BEHALF IN ORDER TO ESTABLISH THE MOST APPROPRIATE MORTGAGE SOLUTION FOR YOU.
PLEASE FIND BELOW A LIST OF SERVICES WE PROVIDE AND A BRIEF INTRODUCTION TO EACH FINANCIAL PRODUCT AREA. OUR HIGHLY EXPERIENCED FINANCIAL ADVISER WOULD BE HAPPY TO DISCUSS YOUR REQUIREMENTS SO PLEASE DO CONTACT US FOR AN INFORMAL DISCUSSION TO SEE HOW WE MIGHT BE ABLE TO HELP YOU.
THERE MAY BE A FEE FOR MORTGAGE ADVICE. THE PRECISE AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES, BUT WILL BE AGREED WITH YOU BEFORE PROCEEDING.
READ OUR GUIDE TO MORTGAGES OR CHECK OUT THIS VIDEO
A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME OR PROPERTY. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
SOME FORMS OF BUY TO LET MORTGAGE ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.
Tracker Mortgages
The interest rate applied to the mortgage repayment is linked directly to the Bank of England’s base rate and will rise and fall in line with that rate.
Cashback Mortgages
A mortgage that pays a lump sum cash rebate of a fixed amount of money, or a percentage of the actual loan, on completion of the mortgage or shortly after.
Offset Mortgages
Where a mortgage borrower also has savings, by giving up the interest on those savings he or she can reduce the amount of interest they pay on their mortgage debt.
Second Charge Mortgages
A separate and additional mortgage to the homeowner’s main (or first) mortgage. Second charge mortgages (sometimes known as ‘Homeowner Loans’) are loans which are secured against the borrower’s residential property, and as such, are available only to homeowners.
In common with remortgages, second charge mortgages are sometimes used by homeowners to raise money.
Buy-to-let Mortgages
Buy-to-let (BTL) mortgages are specifically for individuals who wish to buy residential property which they intend renting to tenants.
Although a BTL mortgage is similar in a number of respects to a standard residential mortgage, there are some significant differences between the two.
