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Mortgages

Not only do you need to consider which mortgage is most suitable for your current needs and circumstances, you also need to think about which interest rate options are most likely to suit your needs. This section has information on the various types of mortgage product which are available.



Unless otherwise agreed, the maximum mortgage adviser fee payable will be £495.In some cases, the total fees payable may be higher, depending on level of extra work that may be required. If this is the case, you will be informed in writing, as to why any extra fees are applicable. This will be advised to you, prior to any fees being paid (including any engagement fee).You will then decide if you wish to proceed or not.We will also be paid a commission by the lender.Where fees are received on a commission only basis and the policy is cancelled within the policy responsibility period, the providers will reclaim up to 100% of the initial commission paid. This responsibility period can be for up to 4 years from the inception of your policy. In this event, you will be liable to repay this reclaim amount subject to a maximum of £300 (plus any possible legal fees incurred to recover), to help cover the cost of advice and administration we incurred in the initial processing of your policy.


Adverse Credit Mortgages

Adverse Credit Mortgages

Sometimes people get into debt through no fault of their own and, even if they have been to blame, want to sort things out. Fortunately, there are now some lenders willing to provide adverse credit mortgages and this short guide will help you understand what to expect.

Buy to Let Mortgages

Buy to Let Mortgages

These types of mortgages are designed for property investors and private landlords, who do not intend to live in the purchased property but will let property to tenants.

Offset Mortgages

Offset Mortgages

With an Offset Mortgage you can potentially reduce the amount of interest you pay by offsetting a credit balance against the mortgage debt. This article explains further.

Equity Release

Equity Release

Sometimes people want to release equity in their homes because they need cash for a particular purpose. This short guide looks at how certain types of mortgage will allow you to do exactly this.

First Time Buyers

First Time Buyers

People buying their first home often have specific needs when it comes to finding a mortgage. A range of mortgages exists specifically for this market sector.

Flexible Mortgages

Flexible Mortgages

A flexible mortgage is a product that can make the traditional British mortgage with its fixed and inflexible payment schedule over a fixed term, such as 25 years, look like a bit of a dinosaur. This short guide explains why a flexible arrangement may benefit you.

Remortgages

Remortgages

Remortgaging means switching your mortgage to another deal with another lender without moving property.

Self Build Mortgages

Self Build Mortgages

The main difference between a self build mortgage and a house purchase mortgage is that with a self build mortgage money is released in stages as the build progresses rather than as a single amount. This short guide explains further.