we are committed to finding you the right mortgage
Our Mortgage Consultants are here to help you every step of the way through the mortgage maze, beginning with the application forms through to finding the right mortgage for you, one that will suit your needs and financial requirements - we'll help you do it all.
With our professional advice and access to a panel of selected lenders - we're sure we can help you, whether you are a first-time buyer, a seasoned property mogul, wanting to move up the property ladder or even just remortgaging.
more help for you... we have a selection of free guides to help you with your mortgage requirements and how we can help you. Simply download the relevant guide below:
The period of an introductory or discount interest rate on a mortgage. The initial rate period varies by loan type and can be as short as one month or as long as several years.
Fixed. A fixed mortgage is where the interest rate is fixed and will not change for a specific period, usually between 2 and 5 years. During this period the interest rate is usually discounted from the lenders standard rate. This is known as the discount period.
Tracker. The rate of a tracker mortgage is linked to a fixed economic indicator – usually the Bank of England base rate. This doesn't mean it's the same as the base rate, just that the rate moves in line with it. This means the rate can go up, or down. The tracker rate can be discounted and under this circumstance the discount will apply for a specific period, usually between 2 and 5 years.
Standard Variable Rate (SVR). This is the lenders standard rate. This will always be higher than the discount rates for some Fixed and Tracker products as the rate is usually linked to the Bank of England's base rate movements and is typically 2 to 5 percentage points above this base rate. The SVR is the rate that most borrowers end up on after the end of an incentive period such as a two-year fix or two-year discounted rate.
The period of time in months to which the discount rate would apply. SVR products and some Fixed and Trackers do not have a discount period and as such the initial rate period would be 0.
The maximum Loan to Value (LTV) is the maximum a lender will lend you against the value of your property. This is calculated by dividing the loan amount by the house value. For example, if the maximum LTV is 80% and the property value is £100,000 then the maximum loan permitted would be £80,000.
The initial monthly payment, this may be the discounted rate and will only apply for the initial rate period.
Whether the lender charges a fee to arrange the mortgage
This is the Annual Percentage Rate of Charge (APRRC). A lender is always required to quote the APRC when advertising a loan or borrowing rate. It is a standard interest rate calculation designed to reflect the total amount of interest that will be paid over the entire period of the loan.
reasons to choose our mortgage services...
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committed to you
a service that you can trust
protecting your property
We offer advice on insurance products designed to ensure that even if you are too ill to work or in the event of your death, you still have the funds to keep your home for your family. We can also arrange buildings and contents insurance for you, to protect your home and your belongings.
On request, we can refer you to a specialist Consultant to provide you with advice on additional products that can be designed to provide a lump sum or income for you and your family. These products are designed to help you and your family to maintain your current lifestyle in the event of ill-health or death before your selected retirement age.
Our specialist advisers can tailor a solution to meet your individual circumstances.
Our products and suppliers are - Ageas Insurance Limited for Buildings and Contents Insurance and Aviva for Term Assurance, Critical Illness Cover and Income Protection.
help to buy?
No problem, we work with lenders who’ve been arranging Help to Buy mortgages for years.
Find out more about (You are about to leave the website of Brown & Merry and view the content of an external website. Brown & Merry cannot be held responsible for the content of external websites)
Help to Buy here
you'll gain access to myaccount
Keeping an eye on where you are with your mortgage and insurance transaction has never been easier with myaccount. With myaccount you'll gain access to key tools, guides and monitor your milestone markers to see how your transaction is progressing and much more!
what our mortgage customers say...
We love hearing what our customers have to say about our service, we use an independent review company Feefo to find out what our customers think - take a look for yourself...
I like how the help me and I hope everything OK for me
Excellent service. detailed advised. Give Philp a medal.
Highly recommend very helpful going through the process of buying would buy off them again
We were listened to and what was important to us as a family was taken into consideration
James is a credit to the company and has made a stressful situation like buying a house much easier
Excellent service. Hannah was knowledgeable, understood my requirements, and was able to answer any questions I had. Made the application process run smoothly.
Amazing service and has make me and my partner feel less stress as any questions are answered
Excellent service, take away so much of the stress and always available to help with any queries.
Pram was most professional and thorough with his help in finding a new deal that suited me.
Brilliant service from Phil and very informative and well described. As first time buyers it was nice to have everything explained to us in as much detail as possible! Thanks!
From booking the first viewing with Chloe to sitting in the office with Phil the speed and clarity of communication has been flawless!
Emma white has been amazing at a very stressful time, she has explained every thing so clearly and is very personable and knowledgeable. I wouldn’t of secured my dream home without her. Will be recommending Emma to all of my friends and family!!
The service provided was very helpful by Ryan Tite he was very thorough and kept in contact the whole time answering any questions I had.
Only downside I'd not being able to come into Billingham fave to face and the fact you don't work with every lender so I may have missed out on a better deal due to this.
My husband and I had Manners and Harrison’s Mortgage Services recommended to us by a friend who is a customer of theirs and has been for many years. Our advisor was excellent and we will continue to use them in the future.
Actually feel like they genuinely looked for the best deal possible wish I had found out about them years ago .
quick, efficient and extremely helpful
Great service. Understood ours needs and requirements perfectly and found the best mortgage for us. Talked us through every stage and took a lot of stress out of the process for us
Friendly & professional ..happy to have their help with the process..emma whites been fantastic with us being first time buyers and not understanding the process..
Superb service from all the Billingham team
We met with James to get an idea of our limits and ballpark prices, he is very personable and friendly, everything you want in someone who is dealing with such a big life event. Very easy to get hold of, clear when explaining things and so far this has been a wonderfully exciting experience!