If you have a question, call our friendly mortgage advisors today on 0800 029 1671 and we’ll be happy to help.

What types of mortgages do we offer?

We provide all types of mortgages including deals for first-time buyers and customers moving home as well as remortgaging and raising additional funds or customers simply looking to switch to a better deal with their existing provider.

We also provide buy-to-let and commercial mortgages so can help whatever your mortgage needs.

Will you search the different mortgage lenders for me?

Yes. We compare the whole mortgage market to ensure we find the best mortgages options available to you, no matter what mortgage type required or your financial circumstances.

What is a Valuation?

This basic survey is carried out by the mortgage lender and assesses whether the property is good security for the proposed mortgage. The buyer usually pays for this and receives a copy. Some lenders do not charge. This survey is suitable for a new house, but for any other property, it is recommended you commission your own survey, such as the Homebuyer’s survey & valuation.

What is a Full Structural Survey?

An extensive property survey – known as a Building Survey – this is recommended for older buildings built before 1960.

What is Conveyancing?

The legal work involved in the transfer of ownership of a property or land usually carried out by a solicitor or licensed conveyancer

What is Stamp Duty?

Stamp duty land tax is a lump-sum tax that anyone buying a property or land costing more than a set amount has to pay. The rate you’ll pay the tax at varies based on the price of the property and the type.

What is LTV?

Loan-to-value ratio is the difference between the loan amount and the house’s market value. A loan of £80,000 on a £100,000 home gives a loan-to-value ratio of 80%. The bigger the difference is between the loan and the value of the house, then the smaller the LTV. This difference is known as the equity.

Mortgage-in-principle

Lenders can agree to a mortgage in principle before you find the right property. This is subject to further conditions being met, such as credit checks and a property valuation.

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