Mortgages
Mortgage Advice
We can introduce you to trusted, independent mortgage advisors who specialise in helping international buyers and UK residents secure the right mortgage for their circumstances.
Options
Types of Mortgages
Understanding the different mortgage options available will help you make an informed decision. Here are the most common types.
Fixed Rate Mortgage
Your interest rate stays the same for a set period, typically two to five years. This gives you certainty over your monthly payments, making it easier to budget. When the fixed period ends, the rate usually moves to the lender's standard variable rate.
- Predictable monthly payments
- Protection from interest rate rises
- Typically available for 2, 3, or 5 year terms
- Early repayment charges may apply during the fixed period
Variable Rate Mortgage
Your interest rate can change over time, meaning your monthly payments may go up or down. This includes tracker mortgages (which follow the Bank of England base rate) and standard variable rate mortgages set by the lender.
- Payments may decrease if interest rates fall
- Tracker rates follow the Bank of England base rate
- Often no early repayment charges
- Less certainty over monthly payments
Buy to Let Mortgage
Designed for properties you intend to rent out rather than live in. Lenders typically require a larger deposit (usually 25% or more) and assess affordability based on expected rental income rather than your personal salary.
- Minimum deposit usually 25%
- Affordability based on rental income
- Interest-only options available
- Higher interest rates than residential mortgages
Calculate
Mortgage Calculator
Use our calculator to get an estimate of your monthly mortgage payments based on the property price, deposit and interest rate.
Enter your details and click Calculate to see your estimated monthly mortgage payments.
Expert help
Why Use a Mortgage Advisor?
Access to deals not available directly from lenders
Expert guidance tailored to your circumstances
Support for international buyers and non-UK residents
Help with complex income structures and self-employment
Assistance with the entire application process
Speak to an advisor
Get in touch with our team and we will connect you with a trusted, independent mortgage advisor.