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Our Mortgages

First Time Buyer

You’ll be classified as a first-time buyer if you – and anyone you are buying with – are purchasing your first residential property.

Before you start, you’ll need to save up for a first-time buyer deposit. How much you save up will impact what sort of mortgage is suitable for you for your first home.

Remortgage

When you remortgage, you take out a new loan on a property you already own. You do this to either replace your existing mortgage product to get cheaper interest rates, or to release some cash from your home to meet your current financial needs or fund a lifestyle decision.

Moving Home

If you are thinking about moving home you may need a Home Mover mortgage. These mortgage products work in exactly the same way as standard mortgages, if you’re trading up to a larger property, you may need to increase the size of your loan. But you’ll need to ensure its affordable once you get there, so it’s crucial that you get the right advice upfront.

Buy-to-Let

Buy-to-let (BTL) mortgages are for landlords who want to buy property to rent it out. The rules around buy-to-let mortgages are similar to those around regular mortgages, but there are some key differences. 

Buying, renovating and investing in property is the biggest financial decision you will make in your lifetime…

Perhaps you’re not sure if now is not the right time to be borrowing money, because you’re still young, or you have a growing family to look after, or you’re even wondering if you’ve left things too late to get a mortgage or investment

Perhaps you’re concerned you’ll pay too much interest – thousands of dollars you could have enjoyed, invested, or used to pay off your home sooner.

Maybe you’re worried you will get stuck with the wrong type of loan, with fees and conditions that force you to pay more than you need to.

Or maybe you simply don’t want to be limited or controlled by the wrong loan. And you don’t want your lifestyle to take a backwards step in order to make progress your home and financial future.

Many home owners, renovators and investors have similar concerns. That’s why we offer a Free Mortgage Maximiser Strategy Session to help you get the right loan with little-to-no extra out-of-pocket expenses.

We’ll help you find the best home loan,
no matter where you’re at in life.

How to get the right loan to buy, renovate and invest without spending a cent more than you do today

Sadly, too many people unknowingly (and needlessly) overpay in interest, fees and tax. Yet, with the right loan, and the right structure for your finances, you can save thousands of dollars and achieve your property and wealth goals without limiting your lifestyle.

Perhaps you’re not sure if now is not the right time to be borrowing money, because you’re still young, or you have a growing family to look after, or you’re even wondering if you’ve left things too late to get a mortgage or investment

Perhaps you’re concerned you’ll pay too much interest – thousands of dollars you could have enjoyed, invested, or used to pay off your home sooner.

Maybe you’re worried you will get stuck with the wrong type of loan, with fees and conditions that force you to pay more than you need to.

Or maybe you simply don’t want to be limited or controlled by the wrong loan. And you don’t want your lifestyle to take a backwards step in order to make progress your home and financial future.

Get Your Free Mortgage Quotes Today

The quickest and easiest way to find out how you can get the right mortgage is to request a Free Mortgage Quote..

Simply click the Compare button, complete our simple form and find the best quotes for your circumstances.

Frequently Asked Questions

A fixed rate mortgage is a mortgage with an interest rate that stays the same for a set period. The length of time it’s fixed for depends on what kind you choose.

Because the interest rate stays the same, your monthly repayments on a fixed rate mortgage don’t go up or down during the fixed term.

With other types of mortgage, the interest can go up when the lenders increase their standard variable rate (SVR). They can do this at any time which can make it hard to plan, as you don’t know how much your mortgage repayments will be from month to month.

It is a mortgage with a variable interest rate that is a set amount below the lender’s standard variable rate (SVR). The interest rate on your mortgage will rise and fall by the same amount as changes to the lender’s SVR.

The interest rate is usually lower than the SVR by one or two percent, and this amount is called the discount.

A Standard Variable Rate (SVR) is a lender’s default interest rate and is usually higher than most mortgage deals available. There aren’t SVR mortgages as such; Standard Variable Rates are often what you are transferred onto when a fixed-term deal ends, although you may be moved onto a tracked or discounted rate. So it may be worth shopping around if you find that you’re on an SVR.

Unlike fixed-rate mortgages, a tracker rate can change. That means the amount you pay each month could go up if interest rates rise. A tracker mortgage is a type of variable rate mortgage. What makes this type of mortgage different from other kinds of variable rate mortgages is that, rather than following an interest rate determined by the mortgage lender, the rate of interest you pay tracks a set rate, usually the Bank of England base rate, at a fixed percentage above or below it.

Each month you pay only the interest on your mortgage and repay the capital at the end of your mortgage term. This option will not suit everyone, as you will need to guarantee that you can find the money when the time comes. If you don’t, you risk having to sell your property to pay off the mortgage. Lenders can also insist that you provide evidence on how you intend to do this.

When you apply for a mortgage, lenders calculate how much they’ll lend based on both your income and your outgoings – so the more you’re committed to spend each month, the less you can borrow.

Your lender will give you a mortgage in principle which is where they state how much they’re willing to lend in theory. The offer is usually valid for up to three months.

The mortgage in principle will give you an idea of how much you can afford to spend and will show sellers you’re serious.

But it isn’t a guarantee the lender will give you the money – the formal offer will depend on the exact details of the property, the accuracy of the information you’ve given and your credit rating.