Why waste time searching for the right Mortgage or Loan when we can do it for you?

Finding the right mortgage or loan for your requirements can be a complete nightmare.  With thousands of mortgage and loan products, and hundreds of lenders it can be a very confusing task. 

By completing a FREE online enquiry form with us we can search the market for you, matching the right mortgage or loan for you.

Through our relationship with leading UK loan and mortgage specialists, we have access to many exclusive deals, backed by the expert knowledge needed to find the right product for you at the right price - even if you have an adverse credit history.

Unlike many other UK mortgage advisers we do not charge you any arrangement fees.

What can we help you with?

.  Arranging your mortgage: we can arrange your mortgage, dealing with all the hassle of paperwork, and correspondence required to set it up. 

.  Provide mortgage and loan quotations: we can provide you with the exact cost and savings of a new loan and mortgage, by offering you competitive quotes from a number of mortgage lenders in the market

.  Provide mortgage and loan advice: finding the right mortgage or loan can be a very difficult prospect. Let us help you in your decision to choose the right product, allowing you to save money, time and giving you the flexibility on the mortgage and loan you need.

Frequently Asked Questions

What is a mortgage?

Money borrowed from a bank or building society can be called a Mortgage. Over a fixed period of time the money is paid back with accrued interest. Mortgages come in many different types to suit the best needs of the individual.

Types of Mortgages

Repayment Mortgages
A repayment mortgage is when your monthly payment consist of repaying the amount borrowed together with the accrued interest. The main advantage of a repayment mortgage is that you are safe in the knowledge, that at the end of the term, you have fully repaid the total amount of the debt.


Interest Only Mortgages
An Interest only mortgage is when your monthly payment only includes the interest accrued. At the same time the borrower takes out the mortgage, the borrower chooses a 'repayment vehicle' (method of paying off the mortgage) such as an ISA, pension plan or endowment policy. There is however a problem with an interest only mortgage as the borrower only pays off the interest accrued. It is important that the payments are maintained into the repayment vehicle or it may not be possible to pay off the mortgage at the end of the term.

 - Endowment Policies
This repayment vehicle is the most commonly used and provides life assurance cover and a fixed payment for investment. The payments are designed so that at full maturity, the amount of the loan along with the mortgage term, the amount invested along with the amount earnt are enough to pay off the mortgage. Unfortunately there is no guarantee that when the policy matures the balance will be enough to repay the mortgage.

 - ISA
The ISA or Individual Savings Account is a tax free method of saving. Although ISA's are growing in popularity, they can be quite complex and would only be advised for financially sophisticated borrowers.

 - Pension Plan
Monthly payments are made into a pension fund. The mortgage is repaid using tax-free cash from the remainder of the fund, when benefits are finally taken.


Some other Mortgage options

Flexible Mortgages
A flexible mortgage allows the borrower to make extra repayments when they have the extra money and even reduce or skip payments should the need arise. Borrowers will usually have to build up a reserve through overpayments before being allowed to lower or miss payments. The benefit with a flexible mortgage is that many lenders offer rates that are calculated on a Daily or Monthly Interest Calculations basis. Until the availability of flexible mortgages most lenders were charging interest based on an annual basis. The advantage to this type of mortgage is that even by overpaying the mortgage by a small amount on a regular basis, it can reduce your mortgage term by years.

Current Account Mortgages
This is simply a flexible mortgage linked to a current account. This type of mortgage takes the benefits of a flexible mortgage and use the funds held in the current account to offset the interest e.g. If a borrower has a mortgage balance of £30,000 and has £3,000 held in the current account, the customer will be charged interest on £27,000. i.e. The mortgage balance minus the positive balance in the current account. It is also possible to link the mortgage to savings accounts and personal loans.

Buy to Let Mortgages
Buying property to let is becoming a growing trend. Social attitudes changes have meant that many young people are renting not buying. Buy to Let is a joint initiative between Letting Agents and Mortgage lenders. The scheme is designed to help private individuals invest in property to let without being penalised by mortgage surcharges or paying commercial rates of interest.

Right to Buy Mortgage
Having the right to buy means that you can buy your home from a local authority or non-charitable housing association. This method of buying is usually cheaper because as a tenant you can obtain a discount.

Equity Release Mortgage
If you are looking to release what money may be in your property, without having to pay more mortgage payments or remove this maybe the mortgage for you. Generally, this type of mortgage is only available to those over retirement age, and often the mortgage lender will not ask for any repayment. The downside to this type of mortgage is that after you die, the lender will own the property.

A Selection of lenders

Part of the Select Mortgages & loans.

 All loans subject to status. The actual rate available will depend on your circumstances. Ask for a personalised Illustration
Your home may be repossessed if you do not keep up repayments on a mortgage or other loan secured on it.
Please think Carefully before securing other debts against your home

Adverse Enquiries will be passed to Chase Blue Loans who may charge a fee.