Repayment Methods

There are basically two major types of mortgage repayment methods available in today’s market:

A Repayment Mortgage is structured so that the monthly mortgage payments, comprising partly of capital and partly of interest, pay off the original amount borrowed as well as the interest that would be accrued over the mortgage term, by the end of the term.

Interest Only
So called due to the fact that you only pay interest to the lender each month. The original loan amount remains the same for the term of the loan. Therefore a suitable investment is required to run in conjunction with the mortgage in order to repay the loan balance at the end of the term. The most common investments used for this purpose include Pension, Endowment and ISA.

Please contact us if you are looking for the following:

  • Remortgages
  • First Time Buyers
  • Buy to Let
  • Home Mover

We can help with the following Mortgage types :– Capped Mortgages, Discounted Mortgages, Fixed Rate Mortgages, Flexible Mortgages, Offset Mortgages, Current Account Mortgages, Standard Variable, Tracker Mortgages


We do not normally charge a fee for mortgage advice however this will be dependent on your circumstances. If a fee is charged our typical fee is £ 250.

Please click on the Apply Now button we will get back to you to discuss all of your requirements.

Re-Mortgages – A Remortgage or refinance mortgage is moving your existing mortgage to a new lender to receive a better rate of interest and or to release equity.

The full range of mortgage products are available for a remortgage with some remortgage lenders offering special remortgage packages.

The remortgage market is very competitive with many lenders offering free valuation and legal fees to you to make the switch hassle fee. Many Lenders offer these free remortgage schemes on exclusive products via mortgage brokers.

Remortgaging your mortgage to a new mortgage lender usually takes one month to complete from start to finish, although this can be done in a shorter period if the remortgage is urgent.

Please click on the Quote Now button we will get back to you to discuss all of your requirements.


The Financial Services Authority does not regulate most Buy to Let Mortgages.