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:
All figures are for illustrative purposes only and are based on a repayment mortgage only basis.
Figures provided will be dependent on your financial situation, property value and the size of your deposit or equity.
Please complete our Contact Us form below to obtain further detail on the products listed above.
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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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...
We couldn't be happier with Phil's advice and support so far. He has made the process very easy and has explained it in a simple way so it's easy to understand. I stress quite a lot about small things but Phil has eased those stresses and made me feel very calm.
I always find Phil very friendly and helpful. His advice is of great value and nothing is too much trouble.
We had Phil Hall for a re Mortgage took his time made it easy to do really helpful up to now I will not use anyone else manners and Harrison and team really helpful I am really happy with their services thanks
Ben Ferguson was an absolute pleasure to work with from start to finish
Excellent. I've been very well supported by Jordan Brannigan. Great customer service
We cannot extend our gratitude enough for the service that we received from Jamie Wilson, at the Stockton branch of Manners and Harrison. Our situation was quite unique in that we needed quite a specialised mortgage product that before contacting him I did not think was achievable given the timescale that we were looking to complete.
From first contact Jamie responded to our queries in an efficient timely manner there were no delays, and this was consistent all the way through which I believe is attributed to his fantastic work ethic.
We were informed throughout the process, alleviating our stress, we even got an update whilst on holiday in the Caribbean, seriously this sort of attention matters,
We are just about to move to our dream home in the Yorkshire dales, I would not hesitate to recommend this service to friends and family.
Everything explains plainly , our mortgage Adviser is great helping us through every step so far great
Service was phenomenal. Hannah Smith took great care of us, guided me through the process smoothly and answered any questions I had with ease.
Phil is really great to work with. He always listens my queries, acts on what I’d like to pay each month, answers any questions raised annd finds the best deal for me. He always make sure that I understand what my options are.
Absolutely brilliant service from manners and Harrison from putting our house on the market to getting our mortgage sorted quick friendly and very experienced would highly recommend these guys to everyone
Emma was really good and offered me a lot of service of what to get with me been a single parent. Emma was so friendly towards me and my little puppy who attended my appointment
Absolutely fantastic service and all credit to Ben at the hartlepool branch carnt recommend him enough so helpful and understanding top bloke
find out how we can help you with your mortgage requirements by using the contact form.
talk to someone
call our Mortgage Services team on01525 213 721
YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. YOU MAY HAVE TO PAY AN EARLY REPAYMENT CHARGE TO YOUR EXISTING LENDER IF YOU RE-MORTGAGE.
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