Mortgages

The purchase of a home is usually the biggest single financial transaction, carried out by an individual in the UK.

In the vast majority of cases, a loan is required to effect the purchase. This loan is called a mortgage. Mortgages are also used to assist in the purchase of residential property for letting and the purchase of commercial property.

Why use a Mortgage Broker?
Some people are more comfortable getting a mortgage from a high street name, and some people find it convenient to have their mortgage with the same bank that they already use. On the other hand, going through an independent broker ensures you get the best possible choice of mortgage. Indeed our recommendations may include exclusive schemes that are not available from the high street lenders.

With over 3000 different mortgage options on the market we believe it is important that you receive advice to help you select a mortgage that fits your needs and is relevant to your personal circumstances.

The Mortgage Code
We subscribe to the commitments and standards contained in "The Code of Mortgage Lending Practice" published by the Council of Mortgage Lenders. This Mortgage Code provides protection for you as a mortgage borrower and sets out minimum standards that mortgage lenders and intermediaries have to meet.

Our Service
Using our online databases we constantly review the mortgage market in order to select the appropriate lenders to meet your individual circumstances.

Some of the factors that might be important to you could be:

• Is the interest rate on the mortgage guaranteed to be fixed for a period of time
• Can you take payment 'holidays' if your financial circumstances change
• Can you pay off extra amounts if you come into some money
• Does the mortgage offer you an extra cash sum when you take it out
• How will potential increases in interest rates effect your budget

(This is particularly important if your mortgage is based on variable rates - including discount and tracker)

We will also provide you with information relevant to your mortgage needs and oversee the process from start to finish, ensuring that all the right people have the right documentation at the right time.

Plan Ahead
Because buying a home can take a few weeks, if not months at times to process, you should try to sort out a mortgage early on. In-fact, many of our clients have their mortgages agreed in principal with a lender before even finding a property.

Our role is to guide you along the mortgage process as smoothly as possible.

Please contact us today for advice on mortgages or visit Mortgage-Desk for more information on mortgages and an online application form.

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT.

Written quotations on request - A deposit or life cover may be required.

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