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...
5 stars !!!
The process was kept very simple and throughout the application my monthly repayment dropped with new rates being released. Loren passed this saving onto me immediately.
Everything was done quickly and with professionalism.😊
Very friendly and accomodating service. Mick went into so much detail and it is clear he does his best for people.
Excellent working with Loren
Brian was brilliant as usual. Very informative and easy to deal with. Takes the time to go through everything with you and really simplifies the whole process
Very friendly and helpful, Mr. Brian - Mortgage consultant who was very helpful make thinks so easy. Thank you
As always brilliant service. Anya was very easy, friendly and professional to deal with.
My partner and I have the pleasure to be working with Mick Ramunni and we are at lack of words in regards to his service! He is absolutely amazing. He has demonstrated on several occasions the attention and dedication he puts for his clients. He often goes beyond his role to reassure us and to guide us towards the purchase of our first property. There is so much he has done for us at this stage, from very long phone calls to quick responses to emails and texts. Straight away he has earned our trust. He has always answered our questions in details and always encouraged us to get in touch should we need further support. He often puts his clients over himself, which is something I have rarely experienced in my life. I can only say that we could not ask for a better mortgage advisor, and we look forward to carrying on in our adventure with him on our side.
Very useful. Always happy to help with anything no matter what the question was. helped us understand it all.
Inform about everything i need know
I was very impressed with the service. It is simple, fair, straight forward and trust worthy. I can see this firm has strong dedication, effort and expertise which led to hassle free Mortgage process. I highly recommend to everyone.
Great service, Mick was very informative and helpful, quick and effective service 👏
Super service and very good mortgage advisor
Good mortgage service
Brian was excellent, he gave me the best advice which allowed me to make the right decision. Very satisfied!
Great Service again from Naeem. Thank you.
Beth has been very helpful and patient working through the submission of my application and really happy with the entire process.
Loren went the extra mile for me and was very patient with the complexity of the situation, she showed determination and and went beyond her role to get the best outcome!