Buying a home for the first time?
Moving to a new property?
Re-mortgaging your home?

Check how much your intended mortgage is likely to cost

Check you have the best mortgage deal available.

• What type of mortgage is best for you?
• Who can provide it?
• What is the best term?
• What is the best interest rate?

We will guide you through the mortgage maze, and find the best solution for you. Please click on the links on the right to find out more, or visit our FAQ section.

What’s involved?
A mortgage is a method of borrowing money in the form of a loan against the security of the property. Interest is payable until the loan is repaid.

Mortgages can be interest-only or repayment.
An interest-only mortgage relies on a repayment from an ISA, endowment or pension, and interest is paid on the full amount of the loan until repayment.
With a repayment mortgage, the monthly payments are part interest, part repayment of capital.

Mortgage providers are the companies (usually Banks or Building Societies) who lend you the money to buy your home, in the form of a mortgage. There are many such companies, and a huge range of mortgages on offer.

You can choose a fixed interest rate over a certain period, or the more traditional variable interest rate. The fixed rate protects you during the fixed rate period against rises in interest rates. If interest rates fall, however, you do not benefit from lower rates.

Mortgage providers normally insist on some form of life insurance to cover the repayment in the event of the death of the borrower. This is term assurance for interest-only mortgages and decreasing term assurance for repayment mortgages.

We will research the entire range of mortgages offered by Banks and Building Societies to find your best deal. Simply complete our on-line form and we will contact you with our no-obligation recommendation.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The Financial Services Authority does not regulate all forms of Mortgages and loans. Written Quotations are available on request. Loans subject to status.