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. WE ARE HAPPY TO DISCUSS YOUR REQUIREMENTS SO PLEASE DO CONTACT US FOR AN INFORMAL DISCUSSION TO SEE HOW WE MIGHT BE ABLE TO HELP YOU.
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.
MOST FORMS OF BUY TO LET MORTGAGE ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.
Fixed Rate Mortgages
The interest on the loan will neither rise nor fall for a pre-determined period of time. Although the monthly repayments will stay fixed, if interest rates fall, the borrower could potentially end up paying more than he or she would on another type of mortgage.
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.
Standard Variable Rate Mortgages
The monthly mortgage repayments are based on the prevailing rates of interest the lender charges - not the Bank of England (BoE) base rate. In other words, it is entirely the lender’s decision on the rate of interest they charge the borrower.
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.
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