Mortgage Services
Please find below a list of the mortgage services I provide and a brief introduction to each product area. I would be happy to discuss your requirements so please do contact me for an informal discussion to see how I might be able to help you.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Standard Variable Rate Mortgages
The monthly mortgage repayments are based on the prevailing rates of interest the lender charges - not the Bank of England (BoE) base rate. In other words, it is entirely the lender’s decision on the rate of interest they charge the borrower.
Tracker Mortgages
The interest rate applied to the mortgage repayment is linked directly to the Bank of England’s base rate and will rise and fall in line with that rate.
Self Build Mortgages
For those who want to build their own home, a conventional residential mortgage is not an option. Instead, the self-builder would need to apply for a self-build mortgage. Not every lender is active in the self-build mortgage market and those that are, tend to charge a higher rate of interest for self-build mortgages.
Offset Mortgages
Where a mortgage borrower also has savings, by giving up the interest on those savings he or she can reduce the amount of interest they pay on their mortgage debt.
Fixed Rate Mortgages
The interest on the loan will neither rise nor fall for a pre-determined period of time. Although the monthly repayments will stay fixed, if interest rates fall, the borrower could potentially end up paying more than he or she would on another type of mortgage.
