Products and Services

Mortgages

Fixed Rates
Fixed rate mortgages are mortgages where the interest rate is fixed for a certain period. This period is normally between 2 to 5 years. What this means is that you will know exactly how much your monthly payments will be during this fixed period. Fixed rates are highly competitive, particularly in a low interest rate environment.

Variable Rates
Variable rates are different from fixed rates as the interest rate fluctuates over the life of the loan. The rate is often tied to an index that reflects changes in market rates of interest. No limits are placed on the degree to which the interest rate or the payments can vary.

Capped Rates
Capped rate mortgages use the facilities of both variable and fixed rate deals. Over a period of time, a limit is set - called a cap - on the maximum amount of interest you will pay over a particular period while allowing it to fall if the variable rate drops.

Remortgage

Paying off one mortgage with the proceeds from a new mortgage is sometimes a good way to release capital from the equity in your home, or reduce interest payments. Capital raised can be used for many purposes such as a second home, consolidating other borrowings to reduce your monthly outgoings or to improve your home.

Flexible Mortgages

If this method is appropriate to your needs we can explain and guide you through the concept and applications to make certain you get the best result from this type of mortgage.

Buy to Let

Clients can invest in the property market by purchasing one or more houses and letting them out to tenants. The owner is then able to benefit from any appreciation in the capital value of the house itself. They are also likely to be able to maintain the property and meet much of the loan repayment from the revenue realised by letting. The buy to let phenomenon has driven house prices higher over the last few years while making a broader section of rental accommodation available.