Mortgages

Finding the best way to finance your home

For the vast majority of people taking out a mortgage is probably the largest financial transaction and commitment they are ever likely to undertake. It should be fairly obvious that you should seek independent mortgage advice which is individually tailored to your needs and requirements, but many people don’t. It’s also important to realise that buying your home is not an investment, although hopefully you will end up better off in the long term, it’s a financial transaction designed to provide a home for you and your family. If it ends up showing a profit, that’s a bonus. Property prices can fall as well as rise. We have provided generic mortgage information on the subjects below, to get you started. Just click on any of the tabs on the left of the page for more detail.

Key Types of Mortgages

Your mortgage is the largest financial transaction you are likely to made, and there are several key types of mortgage, such as Capital and interest, interest only, split and flexible mortgages. Make sure you know which is right for you.

Different Interest Rates for Mortgages  

There are many different types of interest rates in the market. We can provide a wealth of knowledge and mortgage loans advice on the different interest rates such as variable, discounted, fixed rate and more.

Mortgage Fees and Costs

A headline rate can often disguise an expensive deal overall once all the "extras" have been take into account. We discuss all of the different types of fees associated with buying your home, such as valuation fees, arrangement fees, legal costs as well as stamp duty and more. Our typical fee for arranging a standard mortgage is £250 (this can vary depending on personal circumstances) or we can receive commission from the lender.

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