MORTGAGES
EXCEPTIONAL SERVICE
Our customers will be guided through the steps to make the entire mortgage application experience as smooth and hassle-free as possible. We offer a bespoke service tailored to your needs and importantly we will make our recommendations based on your future plans not just the present.
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The earlier in the process that we connect with our clients the sooner the support starts, and we want to ensure your goals are met, whether that be your first home purchase or if you are an experienced property owner with a complicated set of circumstances.
MORTGAGE OPTIONS
FIXED RATE MORTGAGE
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A fixed rate mortgage is a type of home loan where the interest rate remains the same for a set period of time. The advantage of this is that you know exactly how much you’ll be paying back each month, making it easier to budget and plan for the future.
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If having total certainty on your monthly repayments is important for you, a fixed rate mortgage may be your best choice.
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VARIABLE RATE MORTGAGE
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A variable rate mortgage is one where your interest rate can move up or down over time, which means your monthly payments are also likely to change over time.
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The key difference between fixed and variable mortgages is that, with a fixed rate mortgage, you know exactly how much you need to pay back each month but variable rate mortgage rates may frequently change, meaning your payments can go up and down over time.
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One of the biggest benefits of this type of mortgage is that, Variable rate deals may allow larger overpayments, meaning you can pay off your mortgage early and keep your interest costs lower. This could be a good choice for you if you have a lot of savings or are a high earner and keen to pay off your mortgage early.
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The downside, of course, of variable mortgages is that your payments can change over time. That can make it difficult to budget, and if you prefer the security of knowing that your payments will be the same for a set period, a fixed rate mortgage may be the better choice for you.​
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As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.