 |
 |
|
|||||||||||||||||||
 |
 |
||||
 |
 |
 |
Welcome
To The Mortgage and Remortgage Central |
|
 |
||||
Mortgage Brokers in:
Ashford, Kent
Basildon
Bedford
Belfast, Northern Ireland
Birmingham
Blackburn
Blackpool
Bolton
Bournemouth
Bradford
Brighton, East Sussex
Bristol
Bury
Cambridge
Cardiff, Wales
Chelmsford
Chester
Colchester
Coventry
Derby
Doncaster
Dover
Dudley
Dundee, Scotland
Edinburgh, Scotland
Glasgow, Scotland
Gloucester
Guildford
Harrogate
Huddersfield
Hull
Inverness, Scotland
Ipswich, Suffolk
Leeds
Leicester
Liverpool
Luton
Manchester
Middlesbrough
Milton Keynes
Motherwell, Scotland
Newcastle
Newport, Wales
Northampton
Norwich, Norfolk
Nottingham
Oldham
Oxford
Peterborough
Plymouth
Poole
Portsmouth
Preston
Reading
Rotherham
Sheffield, Yorkshire
Slough
Solihull, West Midlands
Southampton
Southend-on-Sea
St Helens
Stockport
Stoke-on-Trent
Sunderland
Sutton Coldfield
Swansea, Wales
Swindon
Walsall
Watford
West Bromwich
Wigan
Woking
Wolverhampton
York, England
How To Use This Site To Find The Right Mortgage/Remortgage
When you are looking for a Mortgage or Remortgage it helps if you know a bit about what type of product will best suit you. Finding this out can be a difficult process as the criteria that mortgage brokers and lenders use can seem very confusing. How much advice and guidance you need is dependent on the amount of experience of the mortgage/remortgage process you have.
Mortgages can be classified by type and then by their features. Below are the major types of mortgage as classified by mortgage brokers and mortgage lenders. Within these "mortgage types" are different mortgage products with different features. For example, you can get Fixed rates, variable rates, no redemption fees, base rate trackers, 90% mortgages, and interest only mortgages. For more information on mortgage criteria and terms take a look at our alphabetical mortgage glossary.
| Known as adverse credit mortgages or remortgages these are for people with ccjs, missed payments and defaults. | The self employed may require a "self cert mortgage". This can be for anyone with difficulty proving income | People wanting 2nd mortgages and those with property portfolios will need a Buy-To-Let Mortgage. |
| First Time Buyers will not have a mortgage history and will fit into a certain box for mortgage lenders | With an excellent credit history people can benefit from the best mortgage products on the market. | Business Mortgages are a distinct mortgage type that have different criteria to residential mortgages |
If you want some help finding which type of mortgage best fits your circumstances then fill out this form now to be contacted by a mortgage expert to advise you.
Important Mortgage Product Information
| Interest Only is where the borrower wants to keep their monthly payments down by only paying off interest on the loan | Flexible mortgages can allow overpayments, remortgages and other changes at any time | Tracker mortgages have rates that follow a bank rate to keep their in line with the economy |
| Fixed rate mortgages have the same rate for the life of the loan... suitable for people that think interest rates will go up | A remortgage can be made for any number of reasons. The process involved re-borrowing home equity | A repayment mortgage involves paying both the interest and the loan payments |
| Mortgage Lenders are the organisations that lend the money to the borrower and assess risk to offer the relevant product | Mortgage Brokers are intermediaries that advise the borrower on the best product for their circumstances | how much you can borrow by using this mortgage calculator to look at repayment plans. |
