Mortgage advice

Helping you make the right mortgage choice.

A mortgage is a lifelong financial commitment for many, and makes choosing the right one a crucial part of buying a home.

Mortgages come in four forms:

Fixed
If you choose a fixed rate mortgage, the amount you pay will stay the same for a set period of two, three, five or ten years, regardless of how much the interest rates change during this time.

Tracker
A tracker rate mortgage moves in line with the Bank of England Base Rate, and the amount you pay may increase or decrease depending on the movement of interest rates.

Variable
A standard variable rate mortgage (SVR) is subject to a lender’s terms. While rare, these types of mortgages are often the cheapest – but they don’t come without risks. Lenders can change interest rates when they like, which can leave some buyers feeling uneasy.

✔ Buy-to-let
Buy-to-let mortgages are for investment properties that are not occupied by the owner. Some lenders will only consider a property’s rental income as the basis for determining whether or not to lend, while other lenders will consider your normal earnings, especially if you only have one or two rental properties.

 

Get straight to the heart of borrowing.

We’ve partnered with Capricorn Mortgages, who are a ‘Whole of Market’ mortgage specialist. As part of Openwork, the largest financial advisory network in the UK, Capricorn has access to wide range of exclusive mortgage deals that you will not find with any other broker.

From your initial mortgage enquiry, Capricorn will assign you your own Personal Relationship Manager who will then guide you through the entire mortgage and house-buying process. Your relationship manager’s job is to ensure that you understand all aspects of the transaction and that things run as smoothly and efficiently as possible for you.

If you’re ready to speak to a mortgage advisor, visit Capricorn’s website.

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