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MORTGAGE SERVICES
Your mortgage is probably the largest financial transaction and commitment you are likely to undertake. Surely then you should seek mortgage advice which is individually tailored to your needs and requirements?
We are not tied to any particular lender, which means that we have the ability to act on your behalf in order to establish the most appropriate mortgage solution for you.
Please find below a list of the mortgage products we provide and a brief introduction to each product. Our highly experienced team of mortgage advisers would be happy to discuss your requirements so please do contact us for an informal discussion to see how we might be able to help you.
Second Charge Mortgages
A separate and additional mortgage to the homeowner’s main (or first) mortgage. Second charge mortgages (sometimes known as ‘Homeowner Loans’) are loans which are secured against the borrower’s residential property, and as such, are available only to homeowners. In common with remortgages, second charge mortgages are sometimes used by homeowners to raise money.
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This service will be referred to a 3rd party
Offset Mortgages
Where a mortgage borrower also has savings, by giving up the interest on those savings he or she can reduce the amount of interest they pay on their mortgage debt.
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Remortgaging
Remortgaging is the process of switching your existing mortgage to another mortgage lender, usually to lower the amount you're paying on your mortgage.
You are not obliged to stick with your original lender for the full mortgage term, and you can move to another lender at any time to get a lower interest rate - you don't have to be buying a new home. Remortgaging could save you hundreds or even thousands of pounds over the term of the mortgage. It is important to note that early repayment charges may be applied by the existing lender.
We will be pleased to help and advise you further on how to switch and save.
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Buy-to-Let Mortgages
Buy-to-let (BTL) mortgages are specifically for individuals who wish to buy residential property which they intend renting to tenants. Although a BTL mortgage is similar in a number of respects to a standard residential mortgage, there are some significant differences between the two.
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Most forms of buy to let mortgage are not regulated by the financial conduct authority
Cashback Mortgages
A mortgage that pays a lump sum cash rebate of a fixed amount of money, or a percentage of the actual loan, on completion of the mortgage or shortly after.
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GENERAL ENQUIRY
Company address: Prospect Mortgage Brokers , Bridge Cottage , Offton, Ipswich, IP8 4SE
T: 07968108519
Prospect Mortgage Brokers a trading style of Anna Bye of Bridge Cottage, Offton, Ipswich, Suffolk IP8 4SE
Prospect Mortgage Brokers is an Appointed Representative of Mortgage Next Network Limited, which is authorised and regulated by the Financial Conduct Authority, Registration number 300866, in respect of mortgage and insurance mediation activities only. Details of which can be found by visiting www.fca.org.uk
The information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
A Mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
