INDEPENDENT MORTGAGE ADVISERS
MORTGAGES
We are independent mortgage brokers, with over 30 years' global commercial banking and finance experience. Whether you are investing in property or are looking to buy your first home, we provide unbiased and bespoke advice, reviewing the entire market to find the best rates and mortgage advice for you.
We know a mortgage will probably be the single most important financial commitment you ever make. The range of options can be daunting, and rigorous lending criteria means the mortgage application process is more complicated than ever.
Banks, building societies, and smaller niche lenders compete for your business, all offering a variety of interest rate deals, associated fees and other enhancements to attract borrowers. We are here to navigate this process for you, reviewing all the products available and providing you with the best advice and mortgage for your needs.
The main methods of repaying a mortgage are repayment (capital and interest) and interest only. It is also sometimes possible to set this up using a combination of the two. Further details are below, but we will explain all the options to you in detail.
INTEREST ONLY MORTGAGES
With interest-only you only repay the interest on the amount borrowed. At the end of the term, the capital is still outstanding. Usually, you need to take out some kind of investment policy to save up enough money to repay the mortgage at the end of the term.
Traditionally the preferred product for repaying the capital of an interest-only mortgage was a mortgage endowment policy, although more recently customers are using Individual Savings Accounts (ISAs) and pensions to build up a sufficient sum to repay the outstanding capital.
The following mortgage types are available:
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100% mortgages
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95% mortgages
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Debt Consolidation
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Buy to let
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Capped Rate
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Cashback Mortgage
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Discount Rate
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First-time buyer
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Fixed-rate
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Help to Buy (England and Wales)
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Help to Buy (Scotland)
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Interest-only
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Mortgages lending to age 99 on residential properties
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Offset Mortgage
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Purchase
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Re-mortgage
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Repayment
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Self-build
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Tracker Mortgages
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Variable Rate
REPAYMENT (CAPITAL AND INTEREST)
Monthly repayments consist of both interest and capital; hence, over time, the amount of money you actually owe will decrease. In the early years, repayments are mainly interest payments only, and the capital outstanding will reduce slowly in the early years.
This method ensures that the mortgage is repaid at the end of the term providing all payments are made on time and in full. entire mortgage process. Thoroughly reviewing a whole range of products across the entire market, we advise and arrange the best mortgage for you. A one-off fee of £295 to cover regulatory costs is required on all new mortgages. In very complex cases this fee may be higher but you will be advised in advance of any potential costs.
Please note your home or property may be repossessed if you do not keep up your repayments on your mortgage.
ADMINISTRATION
There are several questions any lender will need to know, from the size of your deposit to your employment history and prospects. To get you seamlessly through the application process, we recommend contacting us before you start your property search.
You'll get expert advice and support throughout the entire mortgage process. We thoroughly review a range of products across the whole market and advise and arrange the best mortgage for you. However, except for debt consolidation mortgages which require more in-depth research, a one-off fee of £295 to cover regulatory costs is required on all new mortgages. This fee may be higher in very complex cases, but we will advise in advance of any potential costs.
Please note that your home or property may be repossessed if you do not keep up your mortgage repayment.