Mortgages
"Helping you through the mortgage maze"

Whether you are arranging a mortgage for the first time, re-mortgaging, or have arranged a mortgage previously the process can be confusing. We can track down the right mortgage for you! We have access to some of the best deals available on the market, and can even offer deals not available on the high street. (Click here to jump straight to the mortgage calculator)

We have the key to all types of mortgages from over 150 lenders and over 4000 mortgage schemes. Call us on 028 3834 5485 to find out what deals are currently being offered.

In which category are you?
. 1st time buyer.
.  Home-buyer.
.  Remortgage

We can track down the right mortgage for you! We have access to some of the best deals available on the market, and can even offer deals not available on the high street.

How much will it cost?

For a precise quotation of how much your mortgage is likely to cost you per month please contact us. The exact amount will vary depending on what type of mortgage you choose, how much you want to borrow, and how long you intend to repay the loan over.

For an approximate guide use our mortgage calculator. Simply enter the amount you wish to borrow, over how long and at what sample interest rate. Then click the calculate button for a guide to your monthly payments.

Mortgage reference Section

1 APR - Annual Percentage Rate. This is a simple way of comparing costs of credit. An APR includes all fees and other costs which are involved in a mortgage including the lenders interest rate.

2 Capped Rate - This term refers to an interest rate charged for a defined period of months or years which can go up or down with a variable rate, but cannot go above a predetermined level.

3 Cashback - Cashbacks can be given either as a percentage of a mortgage or a fixed amount.

4 Discounted rate - A reduction in the variable mortgage rate, often for a set period of time.

5 Endowment - A life assurance policy designed to generate a large enough sum to pay off an interest only mortgage. It is possible to have different types of endowments, including unit linked, with profits and unitised with profits.

6 Flexible mortgage - The name given to a specific type of mortgage where you can make extra payments (or under payments.)

7 Interest only - Your monthly payments are made up solely of interest and no part of the mortgage is paid off during its term. The mortgage is paid off using a separate repayment vehicle, e.g. endowment or personal pension etc.

8 Repayment - Also known as capital and interest mortgage, with a repayment mortgage your monthly payments pay off partly the outstanding mortgage and partly the interest.

ASSURANCE
"Some things are too important to be left to chance".

We never like to think about it, but the effects of illness, dying or losing your job can be devastating for both you and your family. While we don't like to dwell on such matters, there is plenty to be done to ensure that if the worst does happen, then we're covered financially. And yet many of us don't bother to arrange any cover beyond thinking about how we're going to pay off the mortgage if we die.

Whether you are single, married, bringing up children or looking forward to retirement, you are bound to have some financial responsibilities. Through our host company, Friends Provident we cab offer a range of plans to ensure you and your family's financial future is taken care of in the event of death, illness or disability or unemployment:-

Protect your home - Anybody committing themselves to a mortgage will want to be sure that both themselves and any dependants are protected against any unforeseen changes in their life.

Protect your life - Each week, many families suffer the loss of their main provider. Coming to terms with that is hard enough but the future can look even bleaker when financial pressures build up...

Protect your income - Could you cope financially if you were unable to work because of illness or disability?

ACT NOW
The time think about your financial arrangements is now! The sooner you start and the more you save, the greater your financial security and freedom in retirement should be.

call 028 3834 5485