We work with over 70 UK lenders.
Access to leading market mortgage & bridging finance rates.
Access to exclusive loan deals not available on high street.
Speak to us today if you need to move quickly. We can access fast mortgage and bridging loan finance.
We have lenders who will take into account previous defaults and missed payments.
Looking to raise additional finance on top of your existing mortgage? We have access to a range of finance solutions.
Billions of pounds of interest is being paid by people on the wrong mortgage deal!
This is because, according to the latest research,* 773,000 UK homeowners are sitting on their lender's Standard Variable Rate (SVR).
When you took out your mortgage, you were likely given an initial fixed-term deal over 2, 3, or 5 years. At the end of the initial fixed term, you will usually have been switched automatically to the lender’s Standard variable Rate (SVR) of interest. The current average lender SVR is 8.18%.
If this is you there is a good chance your monthly mortgage payments are a lot higher than they need to be.
Speak to our mortgage team to see if you can lower your monthly mortgage repayments.
*UK Finance Research
If you are a homeowner with an exisiting mortgage now may be the time to review your
current borrowing arrangements.
We have access to some of the best mortgage rates on the market:
If you are looking to save money on your existing mortgage or to raise some additional money against your property, remortgaging your home could be the perfect option.
It can often be cheaper to add an extension to your existing property rather than moving home, and a remortgage deal could give you extra cash to finance this.
If you are looking to move home, it’s important to shop around for the best mortgage deal available for your circumstances.
The best mortgage deals for home movers tend to go to people who can provide a high deposit. You can use personal savings as well as the equity from the sale of your current property to fund your deposit on your new home.
We pride ourselves on having strong relationships with lenders many of whom will consider proposals on a case by case basis.
Until recently mortgage options for people aged over 60 were limited.
Over the last 12 months there has been significant product innovation of lending products available for older clients and people borrowing into retirement including interest only mortgages.
The rules around getting a mortgage have tightened up in recent years. Lenders are under an obligation to ensure that you can afford to take on secured debt. In assessing you Lender criteria will vary but some of the following will be covered off when you are assessed for a new mortgage:
Is your income sufficient to cover your repayments each month?
Have you ever missed a mortgage payment or other repayment in the past?
Is your income stable and secure?
Do you have significant outstanding debts waiting to be repaid?
What is your previous credit record?
Depending on the mortgage lender, they may ask you to provide your address history, recent bank statements, payslips, accounts (if you are self employed), and details of your existing financial commitments such as loan or credit card repayments.
Using our mortgage broker service we can help you find a lender that is aligned with your mortgage finance requirements.
Fixed rate mortgages are set at the same rate for an agreed period of time – usually two to a five year fixed rate. This can offer reassurance as you can be sure that your repayments will be the same each month for the length of the fixed rate agreement, allowing you to plan your budget going forward.
A tracker mortgage, as the name suggests, ‘tracks’ an interest rate, usually the Bank of England Base rate over a set period of time. The length of a tracker mortgage can range from two years to the life of the mortgage.
An interest rate will be set at the outset of the mortgage agreement, after which your monthly mortgage repayments will vary depending on the movement of the interest rate that is being tracked. While the Base Rate is low, tracker mortgages can be appealing, but they carry the risk of higher monthly repayments if interest rates go up.
An offset mortgage allows you to link your current account or savings account in order to offset the cost of their repayments. Instead of earning interest on your savings, the money is set against your mortgage. Therefore, you pay less interest on that debt.
If you have substantial savings or rely on an irregular income, an offset mortgage may be the best option for you.
"Amy was very professional whilst also being friendly and very helpful. I would be pleased to pass on your details to anybody I know who is looking for help."
“Very quick and easy hassle free re-mortgage! Didn't feel like I had to give my whole life story of bank and ID proof like I have done before! Thank you Catherine Hope.”
You can choose to repay your mortgage in two different ways:
With this type of mortgage, your monthly payments go towards paying off a proportion of both the capital owed and the interest on the loan. At the end of the mortgage term, the loan will have been paid off in full.
With this type of mortgage, you only pay off the interest every month, so monthly repayments are lower.
Lenders have criteria on who they lend to on an interest only basis - call us on 0117 403 3464 for more information if this option is of interest. While some lenders will take house sale as a valid repayment strategy for the mortgage most will require a valid repayment method in place to cover the capital repayment when the mortgage comes to an end.
In the last 12 months lenders have loosened their criteria on interest only mortgages with a number of lenders providing more flexible lending options.
For more information see our How to Get a Mortgage Guide - alternatively to compare top mortgage rates and find the best mortgage deals for you, use the mortgage calculator to search over 5,000 mortgage deals based on your personal circumstances.