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Mortgages

Each of our customers has their own individual requirements. For some it is their first step on the property ladder, some require the security of a fixed interest rate, while others are looking to free equity in their homes for a home extension.

Our professional mortgage advisors are here to help. We will answer your questions in plain English and recommend the most appropriate type of mortgage and lenders products for you.

Frequently Asked Questions

How can I pay back my mortgage?
There are two ways of repaying your mortgage:

• Repayment mortgage
  A repayment mortgage is also known as a Capital & Interest mortgage - your monthly repayments pay off the interest and some of the capital borrowed each month. This is the only method that ensures your mortgage is totally paid off by the end of the term - so long as you keep up your payments.
• Interest Only mortgages
  This is where you only repay the interest on your mortgage each month, so you'll need some sort of investment plan to pay off the capital, e.g. a pension, an endowment policy or other long term investment plan. When your investment matures, you cash in the plan and use it to pay off your mortgage loan. You are responsible for the repayment of the capital when the mortgage reaches the end of the term.