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This is not a formal quotation or commitment to lend.
All figures are for illustrative purposes only and are based on a repayment mortgage only basis.
Figures provided will be dependent on your financial situation, property value and the size of your deposit or equity.
Please complete our Contact Us form to obtain further detail on the products listed above.

Initial Rate

The period of an introductory or discount interest rate on a mortgage. The initial rate period varies by loan type and can be as short as one month or as long as several years.

Type Of Mortgage

Fixed: A fixed mortgage is where the interest rate is fixed and will not change for a specific period, usually between 2 and 5 years. During this period the interest rate is usually discounted from the lenders standard rate. This is known as the discount period.

Tracker: The rate of a tracker mortgage is linked to a fixed economic indicator – usually the Bank of England base rate. This doesn"t mean it"s the same as the base rate, just that the rate moves in line with it. This means the rate can go up, or down. The tracker rate can be discounted and under this circumstance the discount will apply for a specific period, usually between 2 and 5 years.

Standard Variable Rate (SVR): This is the lenders standard rate. This will always be higher than the discount rates for some Fixed and Tracker products as the rate is usually linked to the Bank of England"s base rate movements and is typically 2 to 5 percentage points above this base rate. The SVR is the rate that most borrowers end up on after the end of an incentive period such as a two-year fix or two-year discounted rate.

Initial Rate Period

The period of time in months to which the discount rate would apply. SVR products and some Fixed and Trackers do not have a discount period and as such the initial rate period would be 0.

Maximum LTV

The maximum Loan to Value (LTV) is the maximum a lender will lend you against the value of your property. This is calculated by dividing the loan amount by the house value. For example, if the maximum LTV is 80% and the property value is £100,000 then the maximum loan permitted would be £80,000.

Initial Monthly Cost

The initial monthly payment, this may be the discounted rate and will only apply for the initial rate period.

Product Fees

Whether the lender charges a fee to arrange the mortgage.

Overall Cost For Comparison

This is the Annual Percentage Rate of Charge (APRC). A lender is always required to quote the APRC when advertising a loan or borrowing rate. It is a standard interest rate calculation designed to reflect the total amount of interest that will be paid over the entire period of the loan.

Lifetime Membership

Lifetime Membership

We pledge that as a lifetime member, you will never have to pay another broker fee to us again for mortgage advice, no matter how many times you move or re-mortgage your existing home.*

You’ll always have access to our advice, you’ll get a discount on our conveyancing service when you start to look for a new home and should you decide to sell with us, you’ll get a discount on our estate agency fees too.

To enjoy all the benefits that being a Lifetime Member brings, ring any of our branches to book a mortgage and protection appointment with a Mortgage Consultant – you can be confident that we are here to help you with all of your mortgage and protection needs, whenever you want, regardless of whether you buy a house through us or not.

*An administration fee may be payable

Talk to your local mortgage consultant