Whether you are moving to a new home, a first time buyer, re-mortgaging for a better rate or looking to invest in a buy to let property we will find the best deal for you.

At The Mortgage Shop we have experts who can advise you on the most appropriate type of mortgage for your individual circumstances and who will then find the best product on the market for you.

There are many different types of mortgage, all of which have different features and repayment arrangements. Some individuals prefer a mortgage where the payments are fixed for a period, sometimes for the whole term of the loan. Examples are:

• Fixed rate mortgages
• Capped rate mortgages
• Fixed rate tracker mortgages

Some people are prepared to risk rates going up as well as down and therefore prefer a mortgage where repayments and interest rates will follow general movement in interest rates. Examples here are:

• Standard variable rate mortgages
• Discounted mortgages
• Base rate tracker mortgages (based on Bank of England base rate)
• Flexible mortgages (where over and underpayments are allowed)

Then you have a situation where some loans have heavy upfront charges whilst others offer cash backs.

With all these options available it makes sense to talk to the experts. Contact us for information or to apply online.

With some re-mortgage products it is possible for legal and valuation fees to be paid by the lender.

There will be a fee for mortgage advice, the precise amount will depend on your circumstances but we estimate that it will be £295.