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Telephone: 0800 9701795

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Mortgages

Find a mortgage with first class mortgage advice from us. We guarantee to give all of our clients the most appropriate and reliable financial advice.

Buying a property can be a big decision

It is for this very reason that impartial advice is critical from competent and qualified advisers. Whether you are a first time buyer, looking to remortgage or purchase a second home, our advisers are here to help.

A mortgage is a special loan for buying property, where the property is security for the loan. Paying back the mortgage includes capital (the amount borrowed) plus interest.

Traditional mortgages are arranged over a 25 year term with payments due monthly. Changing the term length will change the amount due each month.

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Repaying a mortgage

Repayment mortgage – where you pay back part of the capital as well as the interest due each month
Interest only mortgage – where you only pay the interest on the loan each month and pay off the capital at the end of the loan term

Different interest rates

  • Fixed rate – you pay a set rate for a set period of time with no changes.
  • Variable rate – the monthly repayments can go up and down according to the lender’s interest rate, usually linked to the Bank of England base rate.
  • Tracker rate – a variable rate linked to the Bank of England base rate by a fixed amount.
  • Discount rate – a variable rate that is discounted from the lender’s standard rate as a short-term offer.
  • Capped rate – a variable rate where your payments are capped at an agreed rate, even if the interest rate goes higher. A ‘collar’ is a variation of the capped mortgage, where there is a rate below which your mortgage cannot fall.
  • Flexible mortgages – usually a variable rate mortgage, with flexible features such as allowing overpayments and varying amounts and timing of monthly payments.

If these terms leave you confused, don’t worry – we are here to help.

A fee for mortgage advice will be charged on completion of your mortgage. This fee will typically be £300 up to a maximum of £500. We will receive commission from the lender in addition to the fees you pay.

We also offer a fee only option of £1000 – any commission received would be refunded if you choose this option.

THINK CAREFULLY ABOUT SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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Get in touch

Tel: 0800 9701795
Email: office@acorn4mortgages.co.uk
Skype: acornmold
Fax: 0870 762 7535

Facebook: facebook.com/acorn4mortgages
Twitter: @acorn4mortgages

The Legal Stuff

© Acorn4Mortgages Limited. Registered address: 1-3 The Mall, Ambrose Lloyd Centre, Mold, Flintshire, CH7 1NR. Registered in England & Wales under number 4270415.

Acorn4Mortgages Limited is an Appointed Representative of Mortgage Intelligence Ltd which is authorised and regulated by the Financial Conduct Authority under number 305330 in respect of mortgage, insurance and consumer credit mediation activities only.

We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service. You may be able to submit a claim through the EU Online Dispute Resolution Platform if you live outside the United Kingdom or if you prefer not to deal directly with the Financial Ombudsman Service.