Whose mortgage products do we offer?

We offer mortgages from the whole of the mortgage market, including exclusive mortgages that are not available from High Street lenders. This ensures that we can find the right mortgage for you.

What do I have to consider when choosing my mortgage?

The first stage of the mortgage process is to choose a suitable repayment method. There are three options available:

• a repayment mortgage
• an interest-only mortgage
• a combined, repayment and interest-only mortgage

In addition to the type of repayment you wish to make, you will need to decide on the most suitable period of repayment for the loan you are about to undertake.

How Much Can I Borrow?

Working out how much you can afford to borrow and how much deposit you intend to pay is a vital part of the process. It is very important that you don't stretch your finances too far. You need to be realistic about how much you want to pay, bearing in mind that if you don't opt for a fixed rate mortgage, the amount you pay each month may increase.

The amount you can borrow is based upon your, and your partner's (if applicable) income. As a guide, most mortgage companies will lend you three and a half times your annual income.

If you are self-employed, you are usually required to produce evidence of at least one year's audited accounts. Your loan will then be calculated using your net income over that period.

Your situation may be more complicated. You may have fluctuating earnings. You may be going through a divorce or separation or you may have just started a new business. Whatever your situation, we are confident we can find the right solution for you.