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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.

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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?
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Estimated property value?

 

Are you a first-time buyer?
YesNo

 

Do you need to self-certify your income?
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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:
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Repayment Methods

There are two main ways to repay the capital borrowed.

Repayment Mortgage

Also known as a Capital and Interest mortgage the monthly payments gradually pay off the loan as well as the interest charged on the loan over a set period of time. The term is typically 25 years and provided all agreed payments have been met the loan will be paid off by the end of the mortgage term.

Interest Only Mortgage

The monthly payments only pay for the lenders interest on the loan and do not pay off any of the capital. A lump sum needs to be built up by paying in to a savings or investment plan to pay off the mortgage at the end of the term. It is the borrowers responsibility to ensure that an adequate repayment method is in place to repay the mortgage at the end of the term.

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. If the endowment out performs the requirements of the loan then a cash lump sum will be due at the end of the term. The opposite applies if the endowment does not perform well enough to pay off the mortgage, as any shortfall will need to be made up by the borrower. The performance of the endowment policy depends upon stock market returns.

ISA (Individual Savings Account) Mortgage

An ISA mortgage is another type of interest only mortgage that works in a similar way to an endowment mortgage. The difference is that and ISA (Individual Savings Account) is used as the investment for paying off the loan at the end of the mortgage term. The same risks apply as with an endowment in that the amount available to pay off the loan depends upon the investments performance.

Pension Mortgage

A pension mortgage is another interest only mortgage that works on the same principle as both ISA and endowment mortgages. The difference is that they work on the basis that pensions provide a tax free lump sum on retirement. At the end of the mortgage term the loan is repaid out of the tax free lump sum. This type of mortgage is not often used due to the risk of linking pensions to other types of investment.