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Mortgage Advice

Expert Mortgage Advice Tailored to Help You Find the Perfect Home Loan.

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

Appletree Finance Mortgage Advice

A mortgage is likely to be the single largest financial commitment you will ever make. Understanding your options and making informed decisions is essential to securing the right mortgage for your needs. That’s where our experienced advisers come in. We’ll guide you through the financial aspects of mortgages, providing personalised advice and access to a comprehensive range of products from over 50 different lenders. Our goal is to ensure you find the mortgage that’s perfectly suited to your unique circumstances.

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The Two Main Types of Mortgages

When considering a mortgage, it’s important to understand the two primary options: repayment mortgages and interest-only mortgages.

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Understanding Interest Rates: Fixed vs. Variable

Both repayment and interest-only mortgages can be offered with either fixed-rate or variable-rate interest structures. Fixed-rate mortgages provide stability by locking in your interest rate for a set period, such as two, five, or ten years. During this time, your monthly payments remain consistent, making budgeting easier and protecting you from fluctuations in interest rates. After the fixed term, the mortgage usually transitions to a variable rate.

Variable-rate mortgages, as the name suggests, fluctuate with changes in the Bank of England’s base rate. They come in two forms: the Standard Variable Rate (SVR), which is the lender’s default rate and can change at their discretion, and discounted-rate mortgages, which offer a temporary reduction on the SVR. Discounted rates are often available during the initial years of the mortgage, helping buyers manage expenses after the costs of moving.

Our Services:

We understand that from time to time our clients may find themselves dealing with circumstances which could mean they are potentially vulnerable. For example, a change in health, caring for a family member or coping with the loss of a loved one. There are many different types of vulnerability, and what makes one person vulnerable might not affect someone else. When we are vulnerable, our need for financial advice may change. However, admitting vulnerability or seeking help can sometimes feel hard.

If this is something you would like to discuss with us, please ask for a copy of our support guide or download a copy here. This guide is designed to help explain vulnerability and the ways in which we might be able to support you. If you feel any of the circumstances in the brochure apply to you, please talk to us.

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