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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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...
Colin was concise, informed and able to sort a suitable mortgage within a tight time window. Thank you.
Charles has gone above and beyond. He has explained every step. I have felt supported and fully informed. I will be recommending Charles
Colin Woods is excellent. Accurate, quick, helpful and stress-free advice is always given. We won't go to anyone else. Ever.
Colin Woods is thorough, informative and took the time to rind the right mortgage match for me
Very Good Positive Experience
Open and honest advice relating to the various mortgage products I could access, allowed me to then make my choice and helped all the way with application
Colin Woods makes the process very straightforward, and answered all of my queries in detail - giving me a full appreciation of the process.
Great customer service, reliable and friendly.
Swetenhams mortgage service was excellent! The communication had with Georgia was brilliant, she couldn’t have been any more helpful for us during our mortgage process. 100% recommend!
Adam has been amazing throughout and we're only really at the start of the process!
He's always explained everything in detail as we went and been a great help in working out our affordability.
It is a very efficient agency
Really thorough in my options and cover that would be beneficial also extremely convenient for all services to be offered in house.
Would highly recommend Colin & the Winsford Swetenhams team! ⭐⭐⭐⭐⭐
Brilliant service very fast process for me and my partner have answered all the questions we have had as first time buyers would highly recommend to everyone
Adam is very attentive and informative, which has helped me greatly as a first time buyer.
Very swift & effective advice. Enabling us to complete our mortgage offer with a deal we are more than happy with.
Our mortgage service was provided by Colin Woods in Winsford how is always extremely helpful and knowledgable. I would recommend this serviceto anyone looking for a mortgage.
Had a fantastic experience so far very helpful with every step of the way when purchasing our property. Couldn’t do enough for us.
Very thorough , informative and professional service