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mortgages
mortgages uk
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Mortgages

A mortgage is a type of loan specifically used to buy property or land. In the UK, mortgage terms are typically anywhere from 5 40 years and are tailored to meet your circumstances including age and budget. When you take out a mortgage, the lender provides you with the funds to purchase your property, and you agree to pay back this loan over time, usually in monthly instalments.

There are different types of mortgages available in the UK, including fixed-rate, variable-rate, and interest-only mortgages. Each type has its own benefits and potential drawbacks, so it’s important to choose the one that best fits your financial situation.

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First Time Buyer

We know that getting onto the property ladder can seem daunting, however we are here to guide you through the process.

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Moving Home

Time for a change? Whether you are ready to move on to something bigger, downsizing or even relocating we are here to help you.

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Remortgage

There will be many occasions that a remortgage is a suitable option for you. The most common is that your existing rate is coming to an end and is going to revert to the lenders standard variable rate (SVR).

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Buy to Let

Residential Buy to Let investment mortgages are designed for individuals, limited companies and LLPs, who are looking to purchase or refinance property to rent out, profiting from rental income and property value appreciation.

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Our Management Team

There are so many Brokers in the market, what makes
Your Mortgage Consultants different?
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Nicki

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Dan

your mortgage consultants

Natalie

your mortgage consultants

Rachael

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Other Services

There are so many Brokers in the market, what makes Your Mortgage Consultants different?

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Bridging Finance

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Specialist Mortgages

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Protection

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What our

clients say?

"Knowledge of the mortgage market is clearly very broad"

Myself and wife Victoria have worked with Nichola since inception of our property business, five years ago. Whilst the suggested practice is to use multiple finance brokers, we have solely used Nichola and will do so going forward. Whilst we are no doubt one of many of her clients, she always remembers our property strategy and go forward plan upon calling or emailing her. Nichola's knowledge of the mortgage market is clearly very broad. Our latest project was a mixed-use commercial unit whereby she clearly explained to us the remortgage process when splitting the freehold title. Her patience and clarity were appreciated, as this was our biggest project to date, we really felt supported and confident throughout. Highly recommended.

Ben and Victoria Mcconville

"I know that I can reach out at any point"

Have used Nicki for 3/4 years now and she is always really helpful. From placing finance to being willing to answer general questions about the mortgage market I know that I can reach out at any point. I’ve used her for both investment property finance and also the sourcing of a mortgage for my own home. I recommend regularly.

Hugo Beardsall

"Nicki's knowledge is immense, she delivers what she promises"

I have used Nicki for 4 years now and she has provided me 5 Buy to Let mortgages, 1 bridging loan & 2 personal mortgages. Some of these have been very complicated purchases. I have previously been let down by other mortgage brokers promising the world and failing to deliver. Nicki's knowledge is immense, she delivers what she promises and never stops trying to find you a better mortgage even after she has already got you DIP.

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There are so many Brokers in the market, what makes
Your Mortgage Consultants different?
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The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

You may have to pay an early repayment charge to your existing lender if you remortgage.

The Financial Conduct Authority does not regulate some aspects of buy to let mortgages.

Your home or property may be repossessed if you do not keep up repayments on your mortgage.

Your Mortgage Consultants Limited is registered in England and Wales. No. 14109222. Registered Office: 41-43 Market Place, Chippenham, Wiltshire, SN15 3HR.

Your Mortgage Consultants Limited is an Appointed Representative of Cornerstone Finance Group Ltd, which is authorised and regulated by the Financial Conduct Authority.

Cornerstone Finance Group Ltd is registered in England & Wales. No. 08458702. Registered Office: Unit E Copse Walk, Pontprennau, Cardiff, Wales, CF23 8RB.

Your Mortgage Consultants Limited (No. 979284) and Cornerstone Finance Group Ltd (No. 767202) are entered on the Financial Services Register at  https://register.fca.org.uk/

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