Mortgage - does it give the best deal against your home
A basic intorduction to the different types of mortgages available and their uses.
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Mortgages.

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With over 5,000 Mortgage deals to choose from you need Advice - it makes sense

We think youll agree that Mortgages are complicated . With so many different mortgage deals around which one should you choose? Do you want a cheap mortgage deal with a low interest rate and loads of strings attached or a higher Standard Variable rate mortgage that provides more flexibilty? The odds are that your answer will fall somewhere between the two. Here is just a brief selection of the sorts of mortgages on offer these days - there are lots more!

  • Standard Variable Rate Mortgages
  • Fixed Rate Mortgages
  • Discounted Mortgages
  • Flexible Mortgages
  • Capped Mortgages
  • Offset Mortgages
  • Self-Certified Mortgages
  • Impaired Credit Mortgages
  • Buy to Let Mortgages

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Be careful!

Did you know that every time you apply for any form of credit, a record of each of your applications is attached to your credit file?
These files are held by the big credit agencies such as Equifax, Callcredit and Experian. Virtually every mortgage lender, bank and credit card operator consult these files before agreeing a credit facility. The point is that if you make a number of mortgage applications these will viewed as "multiple applications" by the credit agencies. "Multiple applications" are frowned upon will harm your credit rating.