Taking the stress out of mortgagesWe’ve been helping home-movers, first-time buyers and landlords in securing mortgages for over 30 years. Our dedicated team of consultants take the time to listen to your individual needs and circumstances in order to source the very best mortgage product for you.
Talk to your local mortgage consultantOur experience in the market means we have strong relationships with our panel of trusted lenders, and at times access to exclusive products that you would not be able to obtain by going direct to the lender.
What our Mortgage Consultants do for you
Use our instant Mortgage Calculator below to see what mortgages you could be eligible for:
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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.
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.
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.
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.
We use a panel of selected lenders
Meet our Mortgage Consultants
A BROKER FEE MAY BE PAYABLE UPON MORTGAGE APPLICATION AS WELL AS AN ADMINISTRATION FEE. THE TOTAL FEE PAYABLE WILL DEPEND ON YOUR CIRCUMSTANCES. YOUR MORTGAGE CONSULTANT WILL EXPLAIN ANY FEES APPLICABLE IN YOUR INITIAL APPOINTMENT.
YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
YOU MAY HAVE TO PAY AN EARLY REPAYMENT CHARGE TO YOUR EXISTING LENDER IF YOU RE-MORTGAGE.
MORTGAGES ARE SUBJECT TO STATUS AND LENDER CRITERIA.
MOST BUY-TO-LET MORTGAGES ARE NOT REGULATED.
*An administration fee may be payable
**Discount on our conveyancing service when you start to look for a new home
***Should you decide to sell with us, you’ll get a discount on our estate agency fees too
****Every time you recommend a friend who successfully completes a mortgage with us we will pay you £100 in the month following the legal completion of the new mortgage; provided they have advised the Customer Service Team or Mortgage Consultant at the outset.