DAVID LEWIS MORTGAGE SERVICES
138 Moulsham Street, Chelmsford,
Essex CM2 0JT 
01245 267511

What Mortgage?

Finding the right mortgage for you

The easiest way to find the best mortgage for you is to talk to us, so that we can look at your individual circumstances to find what is most suitable. 

There are no upfront charges. Appointments are available at a time to suit you, during the day, evenings after work or Saturdays. Call us to book your appointment or contact us via the website form. 

Fixed-rate Mortgage


The rate at which interest is charged on your mortgage is fixed for an agreed period of time, normally between 1 and 5 years, but longer periods are available.
Fixed-rate mortgages provide you with peace of mind, because the exact monthly cost is known. You are also protected from any interest rate increases during this period of time, but this means that you will not benefit if interest rates fall. Remember, there can also be redemption penalties and arrangement fees.

Discounted Mortgage


With a discounted mortgage, a reduction is given from the lender's normal standard variable interest rate, for a period of 1-5 years.

Discounted mortgages offer you a saving on the usual standard variable rate, and allow you to benefit from falling interest rates

Tracker Mortgage


A tracker rate is an interest rate that follows the Bank of England base rate. Your rate will normally be above the base rate and would rise and fall in line with changes to the Bank of England's rate. Tracker mortgages are usually agreed over a period of 1-5 years.

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