Mortgages Explained


Looking for online mortgage advice? We provide advice on lots of different types of mortgages including;
 

Remortgages


A remortgage involves switching to another deal and normally to a different lender.

Remortgages can be used for various reasons and most people simply switch mortgages because it will work out less expensive for them. For example, the introductory discounted interest rate may have finished with your current lender; therefore you could get a discount, or a lower interest rate with another lender. Other individuals may use a re-mortgage to consolidate their debts such as credit cards or an overdraft.

 

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.

 

Consolidating debt may reduce your outgoings now, but you may end up paying more overall. Your home may be repossessed if you do not keep up repayments on your mortgage

 

You may have to pay an early repayment charge to your existing lender if you remortgage.
 

First Time Buyer


Buying a home is one of the most important purchases you will ever make, and buying a home for the first time will be an even more daunting prospect. We can provide all the help and advice you need to secure your first mortgage even if you only have a small deposit to put down or your circumstances are less than straightforward.
 

Buy to Let

 

Property for rent can be considered as another form of investment, however it can be riskier, more complicated and it can also take up more of your time. With lending criteria becoming stricter you need the services of a knowledgable adviser to guide you the buy to let "product maze"!  If however you are a seasoned buy to let landlord with a large portfolio of properties, please give a call to see if we can arrange more competitive terms for you. 
 

Adverse credit mortgages


If you have or had difficulty with bad debt there are now some lenders that are willing to consider "adverse credit mortgages" Mortgage deals may not be available and lending is subject to individual circumstances and status.

 

Offset mortgages


Quite simply any savings you have could be offset against your mortgage. By offsetting you could reduce your mortgage term or your monthly mortgage repayments and still keep instant access to your savings. Offsetting could be a good idea whatever the level of interest rates. When rates are low and affecting the returns you get on your accounts, as they are now, you may find your savings work harder for you with an Offset mortgage.

 

 

 

 

We offer friendly unbiased mortgage advice including 

  • Residential purchases
  • Buy to Let
  • Remortgages

 

 

Make an appointment

You can make an appointment for a no-obligation consultation by calling Emma Higginson on:
 

07917 226714
 

Alternatively you can use our online contact form.

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE - Higginson Mortgage Services Ltd is an appointed representative of PRIMIS Mortgage Network, a trading name of TenetLime Ltd TenetLime Ltd is authorised and regulated by the Financial Conduct Authority. Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority - Registered in England and Wales -The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK Registered office address - 6 Llwyn Drysgol, Radyr, Cardiff, CF15 8DN - Registration number - 06991945 © Higginson Mortgage Services Ltd