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Use our Mortgage Calculator to show your monthly payments for your mortgage. Adjust the term and percentage rate to see the savings you can make.

Search for a competitive mortgage quote

Not all mortgages are directly available to members of the general public. Independent mortgage advisor's have access to the entire mortgage market. Use the form below to search for the best mortgage for your needs.

Submitting Details

Are you looking to:

Buy a property

Remortgage a property

Buy a property to let

 

How much would you like to borrow?

 

How long do you need the mortgage for?
1 year 2 years 3 years 4 years 5 years 6 years 7 years 8 years 9 years 10 years 11 years 12 years 13 years 14 years 15 years 16 years 17 years 18 years 19 years 20 years 21 years 22 years 23 years 24 years 25 years 30 years 40 years 50 years

 

Estimated property value?

 

Are you a first-time buyer?
YesNo

 

Do you need to self-certify your income?
YesNo

 

Have you:
Had a CCJ or Default registered against you?
Missed one or more secured loan or mortgage payments in the last 12 months?
Been declared bankrupt or had an IVA?

Estimated property value?

 

How much would you like to borrow?

 

First name:

 

Last name:

 

Phone number:

 

Alternate phone number:

 

Email address:

 

Date of birth:
Day 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Month January February March April May June July August September October November December Year 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989

 

First line of current address:

 

Current postcode:

 

Based on your requirements we have selected the FSA regulated broker Broker Name to help you with your enquiry.

Please click SUBMIT to confirm that you are happy for them to contact you by telephone/e-mail.

Thank you for your enquiry.

Mortgage Interest Types

Standard Variable Rates

Description
The mortgage lenders rates move in line with the Bank of England's base rate although the lender does not have to pass on all changes.

Early Redemption Charges
Not normally but may apply with a large cashback deal

Advantages
Good if you want flexibility for making overpayments (restrictions not withstanding) and can afford the extra repayments if interest rates rise.

Disadvantages
Not good if you can't afford higher payments.

Repayment rates are normally less competitive when compared to special offers that are available on the market. Standard variable rates tend be paid by those who fail to monitor the value of mortgage deals and end up on a standard variable rate.

Discounted

Description
The deals are usually linked to a lenders standard variable rate and track the rate at a discount for a set period of time. After this period the rate usually reverts to the lenders standard variable rate.

Early Redemption Charges
With most deals charges apply during the special deal period. Some loans also have redemption charges that apply for a period after the special deal period.

Advantages
The advantage of these deals is that the rate is usually much more competitive than fixed rates.

Disadvantages
These mortgages open the borrower to the risk of rising interest rates.

Tracker

Description
The rate changes in line with a specified rate. These mortgages are similar to variable rate mortgages but track above or below the Bank of England base rate instead of the lenders standard variable rate.
The borrower still faces the risk of higher interest rates but benefits from any rate cut.

Early Redemption Charges
With some deals charges apply during the special deal period. Some loans also have redemption charges that apply for a period after the special deal period.

Advantages
The advantage over standard variable rate deals is that the full rate cut is passed on as opposed to a proportion of any cut that lenders pass on via their standard variable rate. It is not uncommon for lenders to reduce standard variable rates by 0.2% when the Bank of England base rate has been reduced by 0.25%.

Disadvantages
Not good if you can't afford higher payments as a result of any rise in interest rates.

Fixed Rate

Description
These mortgage deals have a fixed rate for an agreed period of time. Any fluctuations in interest rates will not affect the amount repaid every month. The rate usually reverts to the lenders standard variable rate at the end of the term (unless the rate is fixed for the entire mortgage term.

Early Redemption Charges
With most deals charges apply during the special deal period. Some loans also have redemption charges that apply for a period after the special deal period.

Advantages
Security as any rise in interest rates will not affect monthly repayment amount for the deal period.

Disadvantages
The rates tend to be higher than for variable rate special offers. Any drop in interest rates will not result in lower repayments. Overpayments may not be allowed with some of these deals.

Capped Rate

Description
The payment rate is capped to not go above a set (cap) level during the deal period. After this period the rate usually reverts to the lenders standard variable rate. Payments are variable and normally linked to the Bank of England base rate.

Early Redemption Charges
With most deals charges apply during the special deal period. Some loans also have redemption charges that apply for a period after the special deal period.

Advantages
Security as any rise in interest rates will not result in payments exceeding the capped rate amount and you also benefit from any falls in interest rates.

Disadvantages
Repayment rates may be less competitive when compared to other special offers that are available on the market.