Find the best mortgage, to suit your needs, with our exclusive intermediary rates

The rate at which interest is charged on your mortgage is fixed for an agreed period of time. You can choose from a 2 year fixed rate, 3 year fixed rate, 5 year fixed rate or even a 10 year fixed rate. 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 early redemption fees and arrangement fees

You may wish to remortgage if your current mortgage deal is coming to an end, you need to borrow some extra money, or you may be moving house. Too many customers leave it too late and end up on their Lender’s Standard Variable Rate. If this happens then, you could be paying more than you need to be on your mortgage payments each month. Whatever your reasons, an appointment with us will give you the best options available for your needs

Buying your first home and getting a mortgage can be daunting and confusing. We will help you through every step of the mortgage process with our friendly, efficient service. We will explain everything clearly and jargon free, and advise you on how much you can borrow, and discuss what type of mortgage is most suitable for your individual circumstances

A retirement interest-only mortgage is only available on your main residence and is very similar to a standard interest-only mortgage, with two key differences.

1.The loan is usually only paid off when you die, move into long term care or sell the house.

2.You only have to prove you can afford the monthly interest repayments.

While there’s no minimum age requirement, retirement interest-only mortgages are generally aimed at older borrowers, such as the over 55s, over 60s. They are similar to types of equity release schemes like a lifetime mortgage, where you pay off your debt when you die or move into long-term care

A mortgage approval in principle is also known as a Decision in Principle (DIP), or an Agreement in Principle (AIP). This is a statement or certificate from a lender saying that they’ll lend a certain amount to you. If you’ve got a mortgage in principle, you can show Estate Agents and sellers that it’s likely you’ll be able to afford the property that you want to purchase. This could help if they’re deciding between more than one buyer. You won't need to go through the full application process to get an agreement in principle. This happens when you've had an offer on a property accepted

If you feel your home would benefit from some upgrading, then it is possible to Remortgage for Home Improvements. Investing in your home can be an excellent investment. Some improvements, such as extensions or loft conversions, can put a value on your home, and you can increase your mortgage to pay for updating bathrooms and kitchens as well as structural work