Mortgages
Whether you are a first time buyer or moving up the property ladder, we can help you choose the mortgage most suitable for you.
Mortgage Schemes
Repayment Options
Re-mortgaging
Buy to let
Click here to speak to a qualified advisor who will explain your options to you
Mortgage Schemes
There are numerous options available and by speaking to one of our advisors we will be able to recommend the most suitable mortgage for your needs.
Fixed
- Your interest rate and mortgage payment is fixed for a period of time.
- Available over a range of fixed terms e.g. two, three or five years.
- Enables easy budgeting for your mortgage payment.
Tracker
- Your interest rate tracks the Bank of England base rate.
- Your mortgage payment will fluctuate if the Bank of England base rate changes.
- Available over a range of terms e.g. two, three, five or the term of the mortgage.
- Ensures that if interest rates reduce, your mortgage rate will reduce.
Discount
- Your interest rate is discounted from the lenders standard variable rate.
- Available over a range of terms e.g. two, three, five or the term of the mortgage.
- Ensures that if lender reduces its interest rates, your mortgage rate will reduce.
Capped
- Your interest rate is competitive but if interest rates increase, you know the maximum you will pay.
- If interest rates fall you get the benefit of your interest rate reducing.
- Available over a range of terms e.g. two, three or five years.
Click here to contact one of our qualified advisors who will guide you through your mortgage options
Repayment Options
You can choose how you pay back the mortgage. There are three options available to you:
Repayment
- Where the money you pay each month covers both capital and interest repayments.
- This is most suitable if you want the certainty of repaying your mortgage at the end of the mortgage term.
Interest only
- Where your monthly payments only cover the interest that's being charged on your mortgage.
Combination
- A combination of repayment and interest only.
If you decide that you want an interest only or a combination mortgage it is advisable for you to have a suitable repayment vehicle such as an ISA. Your mortgage being repaid is reliant on the investments performance.
Click here to contact one of our qualified advisors who will guide you through your mortgage options
Re-mortgaging
If you feel that your current lender is not offering you a competitive mortgage rate, or you are looking to raise additional funds, re-mortgaging may be suitable for you.
There are lenders that will allow you to re-mortgage to raise additional money for any legal purpose.
Many mortgage providers are targeted on obtaining new clients. This means that often the legal and survey costs of re-mortgaging are paid by the lender.
Click here to speak to one of our mortgage specialists today to see if it is possible for you to save money on your mortgage.
Buy to let
Whether you are an experienced landlord or are interested in purchasing your first investment property we have access to the entire Buy to Let mortgage market and can guide you through your options.
Schemes are available based solely on rental income or a combination of rental and earned income.
In addition, if you are looking to renovate a property to rent at a later stage we can guide you through your options.
Click here to contact one of our qualified advisors who will be more than happy to help.
