All about mortgages!

What mortgage products are available to you? And what are the main differences?

We have written a brief guide to most of the popular types of mortgage and

some of the common terminology. Please do not try and base your decisions

on the products you choose based on this guide alone.

Our Help line staff and advisers will talk you through the specific costs

for the mortgages that seem most suited to your requirements and they will

identify the best scheme for you.

You also need to remember that we must find a scheme with a lender who will

grant you a mortgage based on your salary and lots of other criteria. Unlike

mortgage comparison sites, we will be taking all these factors into

account to get you a mortgage that will deliver what it promises.

It’s all in the detail

Don’t forget that applying to the cheapest lender, and paying all their upfront

application fees and valuation fees may prove a big mistake if they are unable

to lend you the full amount you require further down the road.

Equally a scheme that looks very cheap on an advertisement may have many

hidden clauses that tie you into the Lender on higher mortgage rates for

years to come. Or they may not allow you to pay lump sums which you may

be considering. Some mortgages have huge application fees that may not

be immediately apparent.