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Not all mortgages are directly available to members of the general public. Independent mortgage advisor's have access to the entire mortgage market. Use the form below to search for the best mortgage for your needs.

Submitting Details

Are you looking to:

Buy a property

Remortgage a property

Buy a property to let

 

How much would you like to borrow?

 

How long do you need the mortgage for?
1 year 2 years 3 years 4 years 5 years 6 years 7 years 8 years 9 years 10 years 11 years 12 years 13 years 14 years 15 years 16 years 17 years 18 years 19 years 20 years 21 years 22 years 23 years 24 years 25 years 30 years 40 years 50 years

 

Estimated property value?

 

Are you a first-time buyer?
YesNo

 

Do you need to self-certify your income?
YesNo

 

Have you:
Had a CCJ or Default registered against you?
Missed one or more secured loan or mortgage payments in the last 12 months?
Been declared bankrupt or had an IVA?

Estimated property value?

 

How much would you like to borrow?

 

First name:

 

Last name:

 

Phone number:

 

Alternate phone number:

 

Email address:

 

Date of birth:
Day 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Month January February March April May June July August September October November December Year 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989

 

First line of current address:

 

Current postcode:

 

Based on your requirements we have selected the FSA regulated broker Broker Name to help you with your enquiry.

Please click SUBMIT to confirm that you are happy for them to contact you by telephone/e-mail.

Thank you for your enquiry.

Jargon Buster

Advance

A mortgage Loan.

Adverse Credit

A borrower or loan application that has had credit problems in the past. Among other things this could be late payments, County Court Judgements or bankruptcy.

Agreement in Principle

An indication of the likely outcome of a loan application. It is not a formal offer but includes a credit check with a credit reference agency and an assessment of the borrowers ability to repay the loan amount requested. Once an agreement in principle has been given further checks will be made to validate the information provided by the borrower and to check that the house chosen is suitable for the lender to lend against. At that stage a former offer of loan would be offered.

APR (Annual Percentage Rate)

The total true cost of the loan shown as a percentage rate based on projections of payments applicable during the entire term of the loan. APR is an industry standard and enables comparisons of mortgaes provided by different lenders.

Appreciation

An increase in the value of a property due to changes in market conditions.

Arrangement Fee

The lenders charge for the arrangement of the loan. This can be added to the loan amount although interest will then be incurred on the charge.

Arrears

The amount that mortgage payments have fallen behind. Usually expressed in either months or pounds.

Balance Outstanding

The amount of loan still owed at a particular time.

Bank of England Base Rate

The Bank of England set a "Base Rate" every month form which lenders base their deals
Bridging loan/finance A temporary loan provided to allow the borrower to purchase another property prior to selling their existing property.

Building Society

A mutual organisation owned by investors and borrowers. Its principal purpose is to provide mortgages and savings accounts.

Buy to let

A mortgage used to buy a property that is to be used solely for renting out.

Capital Repayment

With a capital repayment mortgage the capital and interest elements of the mortgage are paid off with every monthly instalment and the balance reduces over time to nil at the end of the mortgage term.

Capped Rate Mortgage

A maximum rate of interest that can be charged by the lender is set for a specified time.

Cashback Mortgage

A lump sum or percentage of the mortgage is received as cash.

Completion

The end of the purchase process. The seller moves out and the purchaser moves in and ownership of the property is transferred.

Conveyancing

The legal process involved when buying or selling a property.

County Court Judgement (CCJ)

A ruling for bad debt issued by a county court or higher court.

Daily Interest

If interest is calculated daily then any payments made that reduce the mortgage balance immediately reduce the amount of interest paid.

Deeds

Legal documents that show who owns land or a piece of property.

Deposit

The amount used as a down payment to secure the mortgage loan after exchange of contracts. This is usually an amount of 5% to 10% of the purchase price.

Disbursements

The costs incurred for carrying out legal work for purchasing or remortgaging a property.

Discount Rate

The mortgage interest rate is discounted from the lenders standard variable rate, or 100% standard variable rate if applicable, for an agreed period.

Discharge

Paying off a mortgage.

Disbursements

The costs incurred for carrying out legal work for purchasing or remortgaging a property.

Early Repayment Charge

A charge incurred on some loans repaying a loan before the due date. The amount due will depend upon the mortgage terms.

Endowment Mortgage

An endowment mortgage is an interest only mortgage where monthly payments cover interest payments to the lender and a contribution to an endowment policy. The endowment policy provides life insurance as well as an investment fund.At the end of the mortgage term the endowment is used to pay off the outstanding loan amount.

Equity

The value of a property minus any outstanding mortgage and loans that are secured against it.

Exchange of Contracts

The stage in England and Wales at which a purchaser and seller have legally committed to the deal. Both parties sign contracts which are exchanged by their legal representatives. The buyer usually pays a deposit at this point and a completion date is normally agreed.