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MortgagesChoosing the right Mortgage has become even more complicated in the last year with lenders increasing interest rates and tightening criteria in a bid to minimize their risk. With years of experience and access to all UK lenders, we are well placed to help you find the very best mortgage product, even in this difficult climate. From first time buyers to buy to let investors, we have the expertise to make sure you get the most cost effective deal possible. Fixed rate mortgages are for those of us who want to be certain of their monthly outgoings and a good option if you are of the opinion that interest rates will rise. They are protected from interest rate fluctuations for the length of deal period. Whilst most of our clients opt for a two, three or five year fix. Tracker mortgages track the Bank of England base rate and are dependent on its fluctuations. If it drops you pay less, increases you pay more. Lifetime tracker mortgages are now available for the entire duration of the loan period. Offset mortgages allow you to offset any money in your current account against your mortgage, so you only pay interest on the difference. As the savings for offset mortgages aren't currently taxed, it can be an efficient way for high rate tax payers to use their money Your home may be repossessed if you do not keep up repayments on your mortgage. |