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Compare mortgage deals from the UK's leading lenders. Speak to one of our experienced mortgage brokers and compare no obligation, whole of market mortgage quotes.
Whatever your circumstances, complete this short enquiry form and start your search here...
Why use An Independent Mortgage Solution?
- R whole of market comparison
- R Access to products only available to Directly Authorised Brokers
- R A managed process from start to finish
- R Clear, Unbiased explanations of options & advice
- R Brokers province wide
You have nothing to lose by letting one of our advisors assess your circumstances and quote you on available products. While there may be a fee for arranging a mortgage we wont charge you to compare the available products so you have nothing to lose.
When purchasing a property do I need a Valuation or a Survey?
A survey should not be confused with a mortgage valuation report.
A HomeBuyer Report is intended for conventional, residential properties e.g. houses, flats and bungalows, which appear to be in a reasonable condition and have not been subject to significant alterations since construction.
A Building Survey is suitable for all residential properties and provides a in depth, full picture of their construction and condition, including the roofs, chimneys, walls, floors, ceilings, doors, windows and asbestos checks.
Click Here for a short video by RICS on the importance of getting a Home Survey
WHAT TYPE OF MORTGAGE IS RIGHT FOR YOU?
Repayment Mortgage - Your monthly payment contributes to the loan amount and the interest charged by the lender.
Interest Only Mortgage - Your monthly payment only contributes to the interest charged by the lender. The original loan amount does not reduce and must be repaid to the lender by other means at the end of the agreed term.
Fixed Rate Mortgage - The interest rate is fixed for an agreed period time, usually 2 to 5 years. During this period your monthly payment will not change.
Standard Variable Rate Mortgage - The interest rate set by the lender can go up or down depending on market conditions.
Tracker Mortgage - The interest rate is linked to the Bank of England base rate. The lender will set the interest rate several percent above the base rate. This product then tracks its movement following it up or down depending on market conditions.
Buy to Let Mortgage - This is a specialised product for residential investment properties only. Lenders will require a larger deposit and proof of how much rent is charged monthly.
First Time Buyer Mortgage - This mortgage is specifically designed for people who are buying their first home. A minimum deposit of 10% of the total value of the property is typically needed.
Self Certified Mortgage - These mortgages were very popular with self employed customers over the past decade. New regulations mean this product is no longer available and all mortgage customers need to prove their income.