Our Practice was founded with one goal in mind, being the most trusted, referred and sought after residential and commercial broker in the UK.
Our Practice is a specialist finance brokerage offering a wide range of financial services for a variety of purposes, including short-term finance and bespoke financial solutions for residential and commercial clients.
As an impartial, discrete and qualified advisory team with over 100 years’ combined experience, our professional team can advise and guide you the best way forward.
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The Mortgage Calculator is an indication only and are not guaranteed. Current rates may have changed by the time you come to apply.
Remember to plan for other costs like mortgage fees, legal fees and Stamp Duty tax.
The Stamp Duty Calculator is an indication only and are not guaranteed.
A mortgage is a loan secured by your property, allowing you to buy your home. If you fail to make mortgage payments, the lender can seize and sell the property to recover losses. In exchange for lending you the money, the lender charges interest. Throughout the mortgage term, you must repay both the borrowed amount and the accrued interest.
Typically, mortgage lenders may offer up to five times your salary, subject to various factors like age, dependants, and financial obligations. They assess affordability based on remaining income post-expenses.
Even with past credit issues like arrears, defaults, or bankruptcy, mortgage options exist, albeit with limitations and higher interest rates. Our experienced advisors can guide you through available options effectively. Read more HERE.
Though not obligatory for property purchase, insurance policies offer crucial support during hardships. Income protection covers mortgage payments if job loss occurs, while life insurance clears mortgage debt in case of death. Read more HERE.
Remortgaging involves replacing your current mortgage with a new one from a different lender. You might explore this option if your current mortgage deal has ended and you seek a more competitive offer. It could also be a consideration if your financial situation has shifted and you need to borrow additional funds. Remortgaging has various motivations, but it doesn’t entail relocating.
The solution depends on your financial capacity. We strongly recommend consulting with a mortgage adviser to determine the most appropriate term for your situation.