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.

The Financial Conduct Authority does not regulate some forms of Buy to Let Mortgage.

Your property may be repossessed if you do not keep up repayments on your mortgage.

You can choose how we are paid for mortgages; pay a fee, usually 0.5% of the loan amount or we can accept commission from the lender. In addition to this we will charge a £395.00 administration fee once a mortgage offer has been secured.


Adverse Credit Mortgages

Adverse Credit Mortgages

Sometimes people get into debt through no fault of their own. There are now several lenders who cater for people in this situation.

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.

Mortgages

Thousands of borrowers have struggled to pay the mortgage in the virus crisis - with close two million taking a break from repayments. Last year 2,900 properties were repossessed by lenders.
A new mortgage lender, which will use long-term covered bonds to finance its products, has completed its latest round of funding and plans to launch in the market in summer 2021.
A new register to identify foreign owners of UK property will come into effect in 2021 and is set to expose thousands of overseas investors and homeowners to the UK's inheritance tax laws, according to John Lamb Hill Oldridge.
The Nottingham is set to reintroduce 90% LTV mortgage products from 20 January.