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Mortgages

As a qualified mortgage adviser and access to a range of lenders I can help applicants with the following:

  • First time buyers
  • Moving House
  • Re-mortgaging
  • Self-employed mortgages
  • Buy to let mortgages
  • Right To Buy
  • Shared Equity
  • Shared Ownership
  • Low deposit
  • Armed Forces
  • Poor credit

You may be looking to purchase your first property, move home, or just save money on your existing mortgage, I am always here to find the right deal for you.

I will keep in contact with you every step of the journey, and if needed I can also liaise with solicitors and estate agents.

As part of The Openwork Partnership, we have access to a panel of lenders from the biggest names in the mortgage market. With a comprehensive range of mortgage products to meet your needs- from high street lenders, regional building societies and intermediary only lenders – we’ve got it covered. Whether it’s residential, specialist or buy to let, our robust mortgage lender panel offers a combination of choice and stability. 

I will also often be able to offer exclusive rates that may not be available through other brokers or Lenders directly.

Mortgage types available are:

  • Fixed rate mortgages
  • Tracker mortgages
  • Offset mortgages

Fixed Rate Mortgages

A fixed rate mortgage means that your mortgage payments will not change for a fixed period. This means your payments will not increase during the fixed rate period, even if interest rates were to rise. It also means that payments would not reduce during the fixed rate period, if interest rates were to reduce.

Tracker Rate Mortgages

A tracker rate mortgage will track the base rate, which means that payments would reduce during the tracker period if the base rate were to reduce. If the base rate increases, then payments would rise. The base rate is set by the Bank of England, and reviewed regularly, so it can increase or decrease at any time.

Offset Mortgages

An offset mortgage can reduce your mortgage term, and reduce the amount of interest you pay. Here’s an example – if you have a mortgage balance of £200,000 and offset £40,000 in a basic savings account with same lender, you will only be charged interest on £160,000.

Repayment Methods Available

Capital and Interest Repayment

Monthly payments cover the interest and also reduce the capital, which means the mortgage balance is gradually reducing over the mortgage term, and as long as all the monthly payments met, the mortgage will be repaid by the end of the mortgage term.

Interest Only

This is where the monthly payments only cover the interest on the mortgage, which means that the original mortgage amount will still be owing at the end of the term. You would need to have a way of repaying the mortgage at the end of the mortgage term. Additional criteria would need to be met to qualify for an interest only mortgage.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Most Buy to Let mortgages are not regulated by the Financial Conduct Authority.

A joyful couple dances in their new home amid a collection of packed cardboard boxes. The woman, with curly hair, laughs as she raises her arms, while the man, with a small ponytail, smiles and moves along with her. Sunlight filters through a window, casting a warm glow on the room, which has light green doors and various unpacked items scattered around.

Mortgages

Whether you are taking your first steps on to the property ladder, or are looking to move to your dream home we are here to help you every step of the way.
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Protection

Making sure you have the right protection in place to give you and your family complete peace of mind.