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...
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...
I have used Colin for many years now and always found him to be excellent. I wouldn't go anywhere else
Colin was a fantastic support throughout and always provides the best level of service. Couldn’t recommend him highly enough.
Georgia has done an excellent job !
Colin has helped and reassured us every step of the way so far and he’s been brilliant
Professional and friendly service. You can feel that they are for you.
Colin has been amazing during a very stressful time. He has made the remortgaging process easy and has put me at ease. This is the 3rd time I've been to Colin to remortgage over the years and would highly recommend him
Gary was extremely helpful, especially as we were first time buyers explaining the process in detail and getting to know us.
Very easy to deal with. Service and offers felt very tailored to me and my specific needs. Attentive without being pushy or over doing the sales pitch. Explained and progressed at a pace that suited meeting
The mortgage advisor was very prompt in responding and gave good advice
Georgia Greenwood was very helpful and informative during the whole process. She put me at ease during the meeting and felt and believe she had my best interests at heart. I would recommend her to anyone who is looking for a new or change of mortgage, she is a credit to the company.
Colin is very easy to work with and he seems to genuinely care. The whole process has been pain-free so far and Colin has explained absolutely everything to us which has been great because we are first-time buyers. I would recommend Colin to any of my friends or family in the future.
Very approachable and helpful and client centred
Prompt interviews face to face helps.
Hood explanations of process
Georgis is always very efficient and proffessional whenever i deal wirh her
Service and staff are friendly. The service is 5 star from Adam who is helping us with our mortgage application. Highly recommend to family and friends.
Adam Stirzaker has always been very helpful throughout and continues to be so. He always phones us with any updates or just to check in and see how we are getting on. Very professional service from him and has guided us through everything step by step. He has made what is a daunting and stressful time as calm and easy as he can.
Great service and very helpful
Good service but too many emails and phone calls before the first meeting that just repeated information. Considering we were remortgaging it was excessive.
We had Gary as our mortgage adviser since we both our first house in 2019, and he has been very helpful, friendly and professional all along the way with every aspect of our mortgage process and beyond this he helped us improve our financial situation with his precious advise and expertise. Thank you Gary!