YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Our initial consultation is fee free but we may charge an application fee. The charging of such a fee will depend on the work involved. If we charge a fee we estimate this will be a maximum of £250 or 0.5% of the loan amount if greater, payable on application. Typically this will be £250.

An offset mortgage enables you to use your savings to reduce your mortgage balance and the interest you pay on it.

For example, if you borrowed £200,000, but had £50,000 in savings, you would only be paying interest on £150,000.

Offset mortgages are generally more expensive than standard deals, but can reduce your monthly payments, whilst still giving you access to savings.