Find a mortgage with first class mortgage advice from us. We guarantee to give all of our clients the most appropriate and reliable financial advice.
Buying a house can be a big decision
It is for this very reason that our comprehensive advice is critical from competent and qualified advisers. Whether you are a first time buyer, looking to remortgage or purchase a second home, we are here to help.
Mortgages terms are typically between 25 to 35 year based on your budget and future plans.
Repayment mortgage – Where you pay back part of the capital as well as the interest due each month and at the end of the term your debt will be paid off.
Interest only mortgage – Where you only pay the interest on the loan each month and pay off the capital at the end of the loan term.
Fixed rate – You pay a set rate for a set period of time with no changes.
Variable rate – The monthly repayments can go up and down according to the lender’s interest rate, usually linked to the Bank of England base rate.
Tracker rate – A variable rate linked to the Bank of England base rate by a fixed amount.
Discount rate – a variable rate that is discounted from the lender’s standard rate as a short-term offer.
Capped rate – a variable rate where your payments are capped at an agreed rate, even if the interest rate goes higher. A ‘collar’ is a variation of the capped mortgage, where there is a rate below which your mortgage cannot fall.
Flexible mortgages – usually a variable rate mortgage, with flexible features such as allowing overpayments and varying amounts and timing of monthly payments.
We can discuss over the phone or face to face to help make the decisions on a non-obligation bases and once you decide to let us deal with such an important decision. A fee for mortgage advice will be charged on application of your mortgage.
This fee will typically be £295 up to a maximum of £495. We will receive commission from the lender in addition to the fees you pay.
Christopher Wilkinson is an appointed representative of Beneficial Ltd who is authorised and regulated by the Financial Conduct Authority under number 736655 in respect of mortgage, insurance and consumer credit mediation activities only.
We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service.
You may be able to submit a claim through the EU Online Dispute Resolution Platform (if you live outside the United Kingdom or if you prefer not to deal directly with the Financial Ombudsman Service.)
THINK CAREFULLY ABOUT SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.