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Mortgages
“Fixed, Tracker, Discounted, Capped, Flexible, Offset, Current Account … Are you still with me? It is our job to explain all your mortgage options to you in plain English! ”
Richard Southward

Mortgages

 

For many a mortgage is probably the largest financial transaction and commitment they are likely to undertake. There are thousands of different Mortgage Products currently available on the marketplace from hundreds of different Lenders. This is excellent news for the customer, the product to suit your requirements is almost certainly out there somewhere, but the problem is how do you locate it with such a large choice available?

It is easy to become totally confused. Don’t just opt for the product offering the lowest headline rate of interest. Lenders are in competition with each other for your valuable business. They are therefore willing to offer incentives to entice you, but be careful. Booking and arrangement fees, higher lending charges, lock-ins, early repayment charge and conditional insurances, May be added. The products may not be as attractive as you might have first thought.
We recommend you seek independent mortgage advice, which is individually tailored to your circumstances and can provide invaluable assistance in highlighting potential problems. This section of our website looks at the following
  • Advice for
  • Different types of Mortgage brokers & advice provided
  • First Time Buyers
  • Re-Mortgages
  • Buy to Let Mortgages
  • Levels of borrowing
  • Decision in principle
  • Different Mortgages Products
  • Repayment Mortgages
  • Interest Only Mortgages
  • Endowment Mortgages
  • Fixed interest plans
  • Discounted plans
  • Variable interest plans
  • Flexible plans
  • Interest Rates
  • Lender Charges / Fees / Incentives
  • Buy to Let property as an Investment

Independent Mortgage Advisors will provide you with access to the latest mortgages (including many that aren't available through High Street lenders).

We hope you find this section informative. Langtons can provide you with clear and concise descriptions of each mortgage product and offer detailed recommendations in order to find the most suitable Mortgage product to meet your requirements and avoid any unexpected problems.

If you require further information on the items relating to Mortgages or have any queries please use our contact page or e-mail: enquiries@langtons.co.uk

Langtons offer truely Independent Mortgage Advice within the Southwest with advisers located throughout Devon, Cornwall and Somerset.

If you do not keep up your monthly repayments on your mortgage your home may be repossessed. The Financial Services Authority do not currently regulate all types of Buy to Let Mortgages.