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Whether you're a first time buyer, moving home, looking for help getting onto the property ladder or an experienced buy-to-let investor, you will want to get the best mortgage to suit your individual needs.
Hawes & Co are able to introduce mortgage services to you through Embrace Financial Services, a mortgage broker with a team of expert financial advisers.
Plus with fantastic new technology you could get a Mortgage in Principle within only 30 minutes.
If you would like to see if they can get you the best deal on your mortgage, call them on 01392 453585 or fill in the form to request a callback.
With a repayment mortgage, your monthly payments cover both the interest charged and part of the amount you've borrowed. This means the balance reduces over time and, provided all payments are made, the mortgage will be repaid in full by the end of the term.
Fixed rate mortgages offer a fixed interest rate for an agreed period, giving you certainty over your monthly repayments. Once the fixed term ends, the mortgage will usually move to the lender's standard variable rate.
This is a variable rate where the interest rate is a set amount above, below or equal to the Bank of England or some other base rate and so always "tracks" changes in that rate.
With this type of mortgage your payments will go up or down when the lender's mortgage rate changes. Most standard variable rates tend to move in line with the Bank of England base rate.
A discounted rate gives you a set 'discount' off the lender's standard variable rate (SVR) for a specified period. For instance, if the discount was 1%, you will be charged 1% below the SVR for the period of the discount.
This is a flexible mortgage linked to your savings or current account. With this type of mortgage, you are only charged interest on the net amount you owe the lender, after offsetting any savings or current account balances against the amount of your mortgage.
An interest-only mortgage allows you to pay just the interest charged on the loan each month. You don’t have to repay the amount you’ve borrowed (sometimes known as the capital) until the end of the term.
A buy-to-let mortgage is designed for people purchasing a property to rent out rather than live in themselves. The amount you can borrow is often based on the expected rental income as well as your individual circumstances.
You may be asked to provide:
Requirements may vary depending on your circumstances and the lender.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Mortgage and Protection services are referred to Embrace Financial Services Ltd.
Your initial mortgage appointment is without obligation.We normally charge a fee for our services; however, it is payable only on the submission of your mortgage application. The fee will depend on your circumstances but our standard fee is £599. Complex cases usually attract a higher fee. We will discuss and agree the fee with you prior to submitting any mortgage application.
Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority.
Embrace Financial Services Ltd. is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Limited which is authorised and regulated by the Financial Conduct Authority.
Embrace Financial Services Ltd, registered in Floor 4, 11 Leadenhall Street, London, EC3V 1LP. (06447316)