Your home may be repossessed if you do not keep up repayments on your mortgage.
Types of mortgages
Every kind of mortgage, explained clearly
From your first home to a property portfolio, we help with residential, specialist and investment lending. Find your situation below, or give us a call and we will point you in the right direction.
- Residential mortgages
- Specialist lending
- Buy to let and commercial
Your home may be repossessed if you do not keep up repayments on your mortgage.
Most buy to let mortgages are not regulated by the Financial Conduct Authority.
Buying and moving
Residential mortgages
Buying your first home, moving up the ladder or finding a better deal on your current mortgage.
First Time Buyers
Clear, patient guidance from your first conversation to collecting the keys.
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Home Movers
Upsizing, downsizing or relocating, with your current mortgage factored in.
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Remortgage
Deal ending or want to borrow more? We review your options properly.
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Product Transfer
Staying with your lender? We check it is the right move first.
Find out moreSpecialist mortgages
When your circumstances are a little different
Self-employed income, contract work, credit issues or larger loans. Specialist lenders may be able to help.
Self-Employed & Directors
Sole traders, partners and company directors. Our business is your business.
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Contractors
Day rate, fixed term and umbrella contractors.
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Adverse Credit
Missed payments, defaults or CCJs considered honestly.
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High Net Worth
Larger loans and complex income, handled with care.
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Secured Loans
Second charge borrowing alongside your existing mortgage.
Find out moreProperty and business
Investment and commercial lending
Finance for landlords, property investors and business owners, including short term bridging.
Buy to Let
First rental or growing portfolio, with rental calculations explained.
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Limited Company Buy to Let
Special purpose vehicle purchases and portfolio refinancing.
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Bridging Finance
Short term finance for chain breaks, auctions and refurbishments.
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Commercial Lending
Premises for your business, investment and mixed use property.
Find out moreMortgage products explained
Fixed, tracker or something else?
A quick guide to the main types of mortgage product. We will explain which suits you during your consultation.
Fixed rate
Your interest rate stays the same for a set period, often two or five years, so your payments are predictable. Early repayment charges usually apply if you leave during the fixed period.
Tracker
Your rate follows a base rate, usually the Bank of England base rate, plus a set margin. Payments can go up or down as the base rate changes.
Variable and discount
The rate is linked to the lender's own variable rate and can change at any time. Discount products offer a reduction from that rate for a period.
Offset
Your savings are linked to your mortgage and reduce the balance you pay interest on, while remaining accessible.
Repayment
Each monthly payment covers interest and part of the loan, so the mortgage is fully repaid by the end of the term if all payments are made.
Interest only
Your payments cover the interest only. You will need a suitable plan to repay the full loan at the end of the term.
Your questions answered
Frequently asked questions
Which type of mortgage is best for me?
It depends on your circumstances, your plans and how much certainty you want over your payments. We will explain the options and recommend what we believe is most suitable for you.
Can I switch between product types later?
Usually, yes, when your current deal ends. Switching during a deal may mean paying early repayment charges, so we will always check before recommending a change.
What if I do not fit any of these categories?
Many clients have circumstances that cover more than one area. Give us a call and we will talk through your situation and the options available.
Free initial consultation
Ready to talk it through?
Your first consultation is free and there is no obligation. Speak to Charlotte and the team by phone or online, at a time that suits you.