Mortgages

Because we work completely independently from banks and other lenders we're able to compare mortgages from across the market.  So whether you're a first time buyer, moving home, looking to remortgage your existing property or investing in Buy-to-Let, we can work with you to source the right mortgage package. If you are a homeowner wishing to release equity from you property we have access to a range of second charge mortgages at very competitive rates.

How we work

Choosing the right mortgage can be difficult and time consuming and our service is designed to provide transparent unbiased guidance to help you navigate your way through a range of mortgage options.   We aim to keep things simple, so this is how we like to work with our clients:

Step 1: An initial consultation to understand your requirements and see if we can help

Step 2: We begin our research

Step 3: We present our recommendations and discuss your options with you

Our Fees

We offer a no obligation initial consultation at our expense.  Following this we'll carry out our research and will come back to you with our recommendations.  If you're then happy to proceed there are three transparent fee options for you to choose from. Click here for more information.

What we need to know about you

As well asking for basic information such as your age, marital status, income, employment history and existing credit commitments, we’ll also guide you through a range of options to ensure that you get the most suitable deal.

The type of interest rate is one of the most important of these, as this will help you to manage your monthly mortgage repayments now and in the future. We’ll discuss whether a fixed or variable interest rate is right for you and whether you want the flexibility to make additional lump sum payments.

If you’re a first time buyer or just need to brush up on your mortgage knowledge you can find lots of useful information on the Money Advice Service website. (By clicking on this link you will be taken to an external website; Terry Humphreys Mortgage Services are not responsible for the content of this website) : Mortgages - A Beginner's Guide

Following the recent launch of the Government Help to Buy scheme, that dream home could now be yours for a deposit of just 5%.

Contact Us:  To find out how we can help please email or call us on 01295 738881.

Buy to Let Mortgages are not regulated by the Financial Conduct Authority.

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

Terry Humphreys Mortgage Services is an Appointed Representative of The Right Mortgage Ltd which is authorised and regulated by the Financial Conduct Authority.

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