The mortgage market has grown beyond all recognition over the last ten years and it is now very customer driven with very nearly a solution for everyone and everything.  That means of course that it is even more important to get the right advice before committing to what will probably be your largest financial investment ever!

We give advice from THE WHOLE OF THE MARKET, we are not tied to any one provider nor do we work from a panel.  Getting advice direct from a bank or building society or even from most estate agency based brokers means that you will only be advised on the products of one lender, or at best from a small panel of lenders deemed to be representative of the market.

Speaking to us you can be assured that we will be using the latest software to search the whole market for the most suitable deal for you.

When advising you we undertake a fact find to ensure that we know as much about your financial situation as possible so that we can give our advice accordingly. 

We will look at and discuss the many options available such as;

Repayment, Interest Only and Investment Backed Mortgages

Fixed Rate, Tracker Rate, Variable Rate and Capped Rate Mortgages

Early Redemption Penalties

Fees Free Deals and others

Remortgages

The remortgage process is far simpler than many people believe. With Mortgage Options we take care of everything for you and can even take care of the solicitors for you. Remortgaging involves changing your mortgage from one lender to another in order to obtain a better deal. While remortgaging, some people may look to change the terms of their mortgage including taking additional money.

Buy to Let mortgages*

Specifically designed to allow applicants to have multiple mortgages on multiple properties allowing a portfolio of investment properties to be constructed. The buy to let mortgage is for use when a property is to be let out. Normal income calculations do not apply and emphasis is placed on the rental income generated by the actual property.

Debt Consolidation

This is the procedure whereby expensive debts such as credit cards debt, personal loans, overdrafts and other borrowing which incur a higher rate of interest are added to the mortgage to take advantage of the lower rates of interest available. Debt can then be paid back over a longer period thus cutting monthly payments and improving monthly cash flow often dramatically. The disadvantage is that over the longer term of a mortgage these debts can cost more overall.

Because not all lenders say NO.

If you are entitled to a mortgage we will get you a mortgage! Typical APR is 8.4%

* These products are not regulated by the Financial Services Authority.