Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED 
IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
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The overall cost for comparison is a Representative APR of 5.3% variable. Rates vary from those lower than this interest rate to rates above it.

By submitting your enquiry to us your details will be stored, and sent, to an FSA Regulated mortgage lender or brokerage. They will then contact you by telephone / post /e-mail / SMS regarding this enquiry. We may received a commission/payment whether your application is successful or not.

As you can see the questions we ask are simple and quick to complete but they do give us enough information to help ensure the correct company contact you. Please ensure the information you provide is accurate as incaccurate information may mean we cannot contact you or we may refer you to an inapproriate company.

We offer access to a large range of mortgage products from commerical finance, buy to let mortgages and bridging loans. We do, of course have access to many residential mortgage products also and this is our core business. Our aim is to keep the mortgage lenders and mortgage brokers as up to date as possible ensuring the users of everythingloans.co.uk get the best possible service.

We may contact you from time to time about products we feel may be of interest to you - by making this enquiry you are confirming you are happy for us to do this.

Mortgages

Mortgages

Unsecured Loans
Remortgage

The most popular reason for looking for a new mortgage. There are many reasons why you might want to remortgage. You may have come to the end of your fixed rate and wish to more to a new fixed rate. It might simply be that there are cheaper mortgage deals out there than you currently have. Often people will look to raise additional money from their property for home improvements or to consolidate existing outstanding credit to reduce their current credit payments.

New Home Buyer

If you are buying yourself a new home you will want to make sure you get the best mortgage deal you possibly can. This is normally determined by the interest rate you will pay but it shouldn't be the only thing you look at. Compare fees and set up charges and the small print. It is also worth exploring whether there is the possibility to make over payments in the future and the differences between fixed and variable rate offers.

Bridging Loans and Commercial Mortgages

If you need a short term advance to help you purchase a property between selling another then a bridging loan could be what you need. There are many types of bridging loans as well as commercial mortgages. Different lenders will offer different choices depending on the type of commercial property you are looking to purchase.

Buy to Let Mortgage

This type of mortgage is what you will need if you intend to get a mortgage on a property that you are going to rent out to tenants. There are many buy to let lenders in the UK market from those offered by high street banks to more specialist lenders to help in difficult circumstances. Most lenders will insist you cannot use a standard mortgage product and simply move tenants in - this is why there are specialist finance products, including insurance, for properties that are let to tenants.

BEST MORTAGE RATES (Last Updated 6th October 2014)

Remortgage for 1.84% Fixed for 24 months.

Remortgage with a 1.49% Tracker for 24 months.

95% LTV 2.49% Discounted mortgage with low fee. 

Self Employed Mortgage from 1.84% Fixed for 24 months.

Mortgage Discussions and Questions

Mortgage Discussions and Questions

Everything about Mortgages

Unsecured Loans
Mortgages can often create a degree of fear or worry. Buying a property can be stressful enough without having to consider numerous financial choices.

The key to remember here is that a mortgage is simply a loan. Obviously the importance of getting the right product is key - but is simply a large loan that requires payment every month.

There are different aspects to consider - the main one being that your monthly payments are affordable. It is also important to consider what would happen to those payments if the Bank of England Base Rate was to rise - what impact would it have on your monthly payments? You may wish to pick a fixed product so your payments do not change. It is also worth asking questions about paying the mortgage back early (if you think that's an option) or what would happen if you are to move home in the future.

Mortgages don't just exist for residential purposes. We also have access to Commercial Mortgages and Bridging Loans. If you are looking for a mortgage on a property to rent out to tenants then you will be looking for a Buy to Let Mortgage.

The best mortgage product that can be found for you will depend on many factors. These will include your current, and previous, credit history and also how much of a deposit you will be able to put down for your home. It is often beneficial to speak to a qualified advisor who can assess your exact needs and circumstances.

When looking to borrow - we are everything loans