Flexible
mortgages for a flexible life style!
The
term Flexible Mortgages is used to describe a relatively
modern type of mortgage product, that can be obtained from a number
of different lenders (banks or building societies). A flexible mortgage
is normally characterised by all or a combination of the following
features :-
- Daily interest
calculations.
- The ability
to make unlimited or specified overpayments without penalty.
- The ability
to underpay (pay less than full monthly payment) or take payment
holidays (have a month off paying your mortgage).
- The ability
to draw down money (within pre-specified limits) - giving you
instant (or rapid) access to the equity available in your property.
- The ability
to Offset savings or current account balance(s) against your mortgage,
reducing the amount of capital that you pay interest on. This
feature can be used to reduce your monthly payments or to shorten
your mortgage term.
If
you would like to receive advice on the range of Flexible Mortgages
available, please submit an enquiry and we will introduce you to
a qualified independent mortgage adviser.
Our introductory service puts you in touch with Independent Brokers who can offer you access to the full range of mortgage products available through UK mortgage lenders; fixed, capped, discounted,
variable interest rates, Buy-To-Let, Right-To-Buy, Self-Certification,
100% mortgages and Fresh Start for people with a poor credit rating
or adverse credit history - to name but a few.
Your adviser will be able to provide you with a "Mortgage Agreement In Principle" - in as little as 24 hours!
All
of our partner companies hold independent status - this means
that their advisers are not tied to any one lender, and that they will
act for you when arranging a mortgage and not the lender. They
are only interested in finding the most appropriate mortgage to meet
your needs. In fact, with new regulation in the mortgage industry, an
adviser must show evidence of their understanding of your needs, and
their reasons for selecting their recommended mortgage product for you.
Thousands
of clients have been advised through our introductory service.
The
remote mortgage advice service offered by our partner companies is
ideal for people who do not want to invite a stranger into their
home or attend a face-to-face advice appointment at an advisers office.
All advice is given at no obligation. You will be given all the facts
and can make an informed decision to accept or decline the advice
provided, in a pressure free 'natural' environment. The key to our internet
mortgage service is that we only introduce clients to
advisers who are independent and who will work for you not
for any one lender.
We
believe the Best Advice is 'Independent' Advice!
Your
home may be repossessed if you do not keep up repayments on your mortgage.
"A
fee may be payable for mortgage advice, depending on your circumstances,
of up to 1% of the loan amount."
