Mortgages

Moving House
To help you move house, finding the right mortgage to match all your requirements is very important. We offer all clients totally professional advice to help them find the most suitable mortgage product.

Where to start?
The first step is to contact us and we can advise you on the best mortgage options to suit you.

To fit in with our client’s lifestyle the most suitable deal can either be arranged remotely or by arranging a meeting.

Which deal to choose?
There are broadly four types of deal on offer that we can talk you through in more detail and find out which option suits you best.

* Fixed-rate schemes - ideal for people who want certainty and must be able to regulate how much they will be spending each month.

* Discounted loans - offer a reduction off the standard variable rate for a set period. If rates fall, the rate you will pay will go down but if rates rise, so do your payments.

* A capped-rate loan - sets a limit on the rate you will pay. If rates rise, your payments will not go above that level but if rates fall below the cap so will your repayments

* Flexible mortgages - allow you to overpay and underpay when you choose, without penalty. This is ideal for people who have fluctuating incomes or who want to clear their mortgage early.

A fee of a maximum of £250 or 0.5% of the loan amount, if greater is payable on completion.  Typically this will be £250.

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