Which Mortgage?

Fixed Mortgage payments and interest rate are fixed for a period, even if this means a higher rate than the lowest currently available. Capped Mortgage payments are variable but do not go above an upper limit for a period of time. Cap & Collar – as above but payments/interest rate does not fall below a pre-set lower limit as well. Flexible The ability to make over-payments, under-payments and have the facility to offset savings and income against the mortgage. Discounted/Tracker Mortgage payments are discounted – or as low as possible for period of time. Initial Rate The initial period of time that the interest rate is set – ie 1-2 years, 3-5 years, 5 years plus. Self-Certified Your income is self-certified – helpful where self-employed, or in a current job/working for less than a year. Determining which mortgage is the most suitable and appropriate for you will depend upon your individual circumstances. We are all individual and have individual and different needs. Therefore, we will only advise and make recommendations once we have fully assessed your individual needs and circumstances. For your personal quotation, please do not hesitate to contact us.