Mortgages

As mortgage brokers we work with clients to ensure they get the best mortgage advice possible. We offer what is known as whole of market mortgage sourcing, which, unlike a bank or building society who would only offer their own mortgage products, enables our mortgage clients to gain access to the whole mortgage market with one point of contact.

  • Access to mortgages not available on the high street
  • Literally 1000’s of mortgages searched to get you the best deal
  • A mortgage broker could save you time and money
  • All circumstances considered

What types of mortgage can we help with?

We could help you obtain practically any type of mortgage; fixed rate, tracker, discounted rates and more.

As well as residential mortgages, we can also help with buy to let and commercial funding.

Capital Repayment Mortgage

mortgage brokerA capital repayment mortgage is what most people think of when they consider applying for a mortgage. It simply means that a portion of your monthly payments will go towards repaying the capital each month and a portion will go towards repaying the interest, so at the end of the mortgage term the loan should be completely repaid.

Interest only mortgage

Interest only mortgages are sometimes used for people investing in buy to let properties or certain commercial ventures.  An interest only mortgage will allow you to repay the interest on the loan without repaying the capital, meaning the monthly payments are kept to a minimum. At the end of the mortgage term the mortgage balance becomes due. For buy to let properties this is often done by selling the property. The sale of the property would hopefully repay the mortgage in full and return any increase in property value over the years to the investor.

For your convenience we have also detailed common types of mortgage rates here.

Arranging a mortgage through a mortgage broker

We are not tied to any particular lender or agency. This means the advice you receive will be impartial, it will be tailored to your individual needs and circumstances and a detailed fact find document completed so we can fully assess your requirements. We like to treat people as people and as such, your mortgage adviser will work with you from initial enquiry through to completion keeping you up to date throughout.

Paperwork can be daunting when applying for a mortgage, we understand that and will help complete the paperwork with you to help minimise errors and speed up the whole process.

Are mortgage brokers confidential?

In short yes, absolutely, we are registered for data protection and  strictly adhere to data protection principals – All our clients enjoy confidential advice. We also subscribe to the FCA’s ‘Treating Customers Fairly’, meaning we focus on the most suitable outcomes for clients based on their individual needs.

Your mortgage application is sourced from the whole market, including some of the best rates and deals in the UK – We can help with:

  • First time buyers
  • Home movers
  • Remortgage
  • Residential, Buy to let, bridging and commercial

The application process is made as simple as possible by talking you through every step and helping you complete the paperwork where needed. Your application will be fully managed from start to finish, reducing stress and confusion. Regardless of your mortgage needs and requirements we’re confident we could help.

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