Mortgages have changed dramatically over the last 20 years, there are no-more mortgage queues and concepts such as Buy to Lets and Self Certification are now big business.

This also means that there are far more products available these days and they are far more sophisticated and complex. At present there are well over 6,000 products available, do you choose, fixed, tracker, or maybe capped, or should it be discounted or LIBOR, or maybe a straight forward variable rate? Then having chosen the product, is it portable? Can you get free legals or a free valuation? What are the charges added on? Is there a higher lending charge, does it have early repayment charges or is the product without overhang?

These are just a few questions in the complex world of mortgages and all of these can have an influence on the bottom line price that you pay and the amount you can ultimately save.
Please don’t think that by going into a High Street bank or Building Society you have a really good deal because they can only give you the choice of THEIR products and not source the ‘Whole of Market’ as we can.
Ask yourself if you wanted to buy the best car and weren’t sure which one it was, would you just walk into a Vauxhall garage or go and get advice from an expert? Mortgages are no different, it is probably the biggest one off transaction that most people will make in their lifetime so be careful and seek expert advice.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Overall cost for comparison is 9.3% APR

The actual rate available will depend on your circumstances. Ask for a personalized
illustration.

A fee of approx 0.3% of the loan amount may be charged upon completion, dependant
on individual circumstances (typical £295)