Mortgages
Think carefully before securing other debts against your home. 
Consolidating debt may reduce your outgoings now, but you may end up paying more overall. 
Your home may be repossessed if you do not keep up repayments on your mortgage.

First Time Buyer

Obtaining your first Mortgage can be a very daunting experience.

Taking Advice from one of our Mortgage Advisers will 

make this experience, easy and worry free. 

You may have many questions as a first time buyer, such as,


Will I get a mortgage?

How much deposit do I need?

Where can I get a Mortgage?

How much will they lend me?

How much will it cost?

How long will it take?


Our experienced helpful advisers can answer these questions with ease.


Firstly, your mortgage broker will need to have some idea of what you are looking for, what resources you have, and the price range you would like to achieve. 

We will go through how much deposit will be needed, your income, any debts you may have, and your credit history will be checked. This information will then help the adviser calculate a more accurate maximum lending figure.


Often, the first-time buyer obtains a mortgage offer in principle through their broker to confirm their lending position prior to making an offer on any property. 

(A mortgage offer in principle is a confirmation from a lender, following credit score, that the Lender is prepared to lend to the borrower).

Once an offer has been accepted, you will need to appoint a solicitor to handle the legal side of the process. Your mortgage broker can recommend someone suitable for you.


Your mortgage broker will then collect the details of the property you are purchasing and put together your full mortgage application for submission to the mortgage lender.

Moving Home

Moving home is an exciting time, and it also gives you the ideal opportunity to look at many moving home mortgage rates and deals, but it’s important to remember that when it comes to finding the right mortgage, looking for the cheapest mortgage rate might not be the best mortgage for you. 

We can talk you through the deals available to you based on your personal circumstances, taking into account factors like additional fees, conditions, and the term of the mortgage. 

Give us a call today and speak to one of our fully qualified advisers to help guide you through this process.

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Remortgage

Many people begin their remortgage search by looking for the best mortgage rates in the market, but it’s important to remember that the cheapest mortgage rates usually have hidden extras. 

Our mortgage advisers can compare mortgage rates, fees and overall suitability for you. 


Give us a call today and speak to one of our fully qualified advisers who can pick out a deal that’s right for you.

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Buy To Let

Once you have found the right property, the next step many people take is to compare the buy to let mortgage rates, but it’s important to remember that rates aren’t the whole story and there are other factors which affect how suitable a deal is for you. Our qualified advisers search the market, taking into account your personal circumstances and comparing the fees, conditions and introductory offers. With access to many products exclusively available to mortgage brokers, we recommend you call us and we can help find the right mortgage for you.

Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority.

Learn more

We also help with: Capital Raising & Debt Consolidation
 
We can refer: Commercial Mortgages

Choosing a mortgage is probably the biggest financial decision you will make. However with thousands of mortgages to choose from it can seem like an impossible maze to find your way through.
A mortgage is a sum of money borrowed from a bank or building society in order to purchase a property. The money is then paid back to the Lender over a fixed period of time together with accrued interest. 
There are many different types of mortgages and there will be one out there that best suits your requirements. 
If you’re going to make the most of your mortgage, you need to minimise the amount of interest that you pay.
We can find a mortgage product to suit your own individual requirements. Whether you are a first time buyer, wish to re-mortgage, we will endeavour to recommend a product to suit your needs. A mortgage is potentially the largest financial commitment of your life and, therefore, every enquiry is treated with the respect that it deserves.

Mortgage interest rate is the most important element of your deal. The interest rate determines how much interest you will have to pay back over the term of the mortgage.

Fixed Rate
Fixed rate payments will stay the same during the whole term of your mortgage deal. This is a good for people who like to keep to a monthly budget.

Variable Rate
The Bank of England affects the variable rate. This means you pay the Bank of England’s current rate, plus the additional % rate from the lender.

Discounted Variable Rate
Lenders often come up with discounted variable rates offered over a certain period of time. This means that repayments will be lower until the discount period ends, then the interest will revert to the lenders normal variable rate.

Tracker Rate
A Tracker rate mortgage is linked to the Bank of England Base rate and will move up and down with the market.

Offset Mortgage
Offset Mortgages are designed for people who wish to overpay with lump sums but may require access to that money later. Rates are usually tracker.

Capped Rates
A Capped Rate can help you plan a budget more effectively. The lender will put a maximum rate you will pay on the mortgage so if interest rates rise you know what your maximum payments will be. Some Lenders also put a minimum rate payment on the mortgage.

Cashback Mortgage
A Cashback Mortgage provides a lump sum back once the purchase has been completed. This can either be a lump sum or a percentage of the amount borrowed.

Flexible Mortgage
The term flexible mortgage refers to a residential mortgage loan that offers flexibility in the requirements to make monthly repayments.

Current Account Mortgages
A UK offset mortgage or current account mortgage uses the balance in your everyday savings or cheque account to reduce what you owe on your mortgage on a daily basis.


Commercial Mortgages are referred to a third party. 
Neither Mortgage Advice Network nor PRIMIS are responsible for the service received. 
Most of these services are not regulated by the Financial Conduct Authority and may have limited consumer protection.