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Mortgages

A mortgage is likely to be the single largest financial commitment you ever make. There's a wide range of mortgage products out there, with varying interest rates and repayment options available.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

We charge a gross fee of £395 upon application. However, if we receive a minimum fee of £495 from the lender, upon completion, our fee is then reduced to a net fee of £145.


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.

Buying a home

Buying a home

Before you choose a specific deal, you need to decide what type of mortgage is the most appropriate for your needs.

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

With options for overpayment and payment ‘holidays’, a flexible mortgage can make the traditional 25-year British mortgage look rather old-fashioned.

Offset Mortgages

Offset Mortgages

An offset mortgage enables you to use your savings to reduce your mortgage balance and the interest you pay on it.

Remortgages

Remortgages

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

Second Charge Loans

Second Charge Loans

Second charge loans can be secured against residential or Buy to Let properties.

Personal Finance

Findings of the Access to Cash Review indicate that eight million people – 17 per cent of the population – are in danger of being ‘left behind’ as the banks press to replace cash.
The company employs 45,000 workers in Britain and its largest customer is the Government. It said last week it will consider ‘all options’ as part of rescue plans.
You must pay tax on pensions if you’re resident or were resident in the UK in any of the five previous tax years. You also pay tax on any foreign pension payments, including unauthorised payments, such as early payments and some lump sums.
Consumer price inflation remained as high as 2.3 per cent last month. But Ruth Gregory, of Capital Economics, says the figure ‘will be back at 2 per cent by the end of the year’.
A new London initiative aims to help at-risk young people manage their money