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:
Lenders correct as of February 2023.
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...
join our lifetime membership service
a tailored touch
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.
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...
Hannan has always been very helpful with the beginning to the end..
Always happy to explain any issues
that I don't understand and giving me the best advice possible...
Always quick back if i have a question am wondering about ,she responded within the same say,
Communication has been excellent and Phil has been extremely helpful through every step of the process so far
Hannah has been brilliant throughout the whole process. As first time buyers it has been nerve wracking but she explained everything all the way through and we managed to get an offer and mortgage sorted very quickly!
Awesome service all the way. Thank you for delivering a tailored service to suit our needs. .
Absolutely fantastic very professional service
Excellent service, flexible appointments and friendly advisor
Service provided exceeded my expectations.
Lovely team. Always happy to assist. Flexible with appointments and telephone calls. Punctual and efficient. Made me feel at ease with the process and reduced a lot of the stress that comes with moving home. Would highly recommend.
Ben has been friendly and professional explaining details in layman’s terms and always in hand to help
Hannah is excellent in her job role. I will always recommend people to her services. Fantastic
Excellent service, I would thoroughly recommend Emma
Jamie Wilson (Senior Mortgage Services Consultant) can only be described as outstanding. During the whole process he remained courteous, polite and super professional. He made the mortgage process, simple and straightforward. I would highly recommend his services!
Brilliant service, fast and efficient and very easy step by steps.
Brilliant advice and service from James wilks
Ben helped me arrange my will. Very informative and made the process simple
I couldn’t fault them in any way all the g staff are lovely to deal with and Emma White is an absolute dream and has helped and supported myself through an extremely difficult time and with her help I can now look forward to setting up in a new home 👍🙂
First class service from Manners and Harrison, very friendly and helpful, always with a smile. James, my mortgage advisor, worked tirelessly to get the right mortgage for me. Anita, very friendly and professional answering all my queries.
Jude was very knowledgeable and professional throughout.
Absolute no nonsence service. Great service. I have been a customer for many years
Very friendly and helpful. Everything was made clear and easy understand.
Very helpful and friendly