Mortgages

A mortgage is likely to be the single largest financial commitment you ever make. There's a wide range of mortgage products out there, with varying interest rates and repayment options available.

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.


Buying a home

Buying a home

Before you choose a specific deal, you need to decide what type of mortgage is the most appropriate for your needs.

First Time Buyers

First Time Buyers

People buying their first home often have specific needs when it comes to finding a mortgage. A range of mortgages exists specifically for this market sector.

Remortgages

Remortgages

Remortgaging means switching your mortgage to another deal with another lender without moving property.

Buy to Let Mortgages

Buy to Let Mortgages

These types of mortgages are designed for property investors and private landlords, who do not intend to live in the purchased property but will let property to tenants.

Equity Release

Equity Release

Equity release can help people release cash (equity) in their homes for a particular purpose, like supplementing retirement income.

Flexible Mortgages

Flexible Mortgages

With options for overpayment and payment ‘holidays’, a flexible mortgage can make the traditional 25-year British mortgage look rather old-fashioned.

Offset Mortgages

Offset Mortgages

An offset mortgage enables you to use your savings to reduce your mortgage balance and the interest you pay on it.

Self Build Mortgages

Self Build Mortgages

These are mortgages suited to people building a new home. With a self build mortgage, money is released in stages as the build progresses.

Second Charge Loans

Second Charge Loans

Second charge loans can be secured against residential or Buy to Let properties.

Bridging Finance

Bridging Finance

A bridging loan is taken out to ‘bridge’ the gap between the purchase of a new property and the sale of an existing one.

UK News

Yusuf Mahmud Nazir, five, was not admitted to hospital despite his uncle "begging" for help as his condition worsened, his family say.
Former Scotland international Doddie Weir dies at the age of 52 after a battle with motor neurone disease.
The man whose wife and children died after a flat fire says they were set to join him in the US.
Health officials advise vaccines and antibiotics are offered to migrants at their new accommodation.
It comes after a scathing report found the London brigade was "institutionally misogynist and racist".