Mortgages

Securing you the right
mortgage

With expert knowledge & access to thousands of lenders, feel confident knowing we can find the perfect mortgage for you.

What mortgage do you need?

Remortgage
Remortgaging is the process of switching your existing mortgage to another mortgage lender, usually to lower the amount you're paying on your mortgage. You are not obliged to stick with your original lender for the full mortgage term, and you can move to another lender at any time to get a lower interest rate - you don't have to be buying a new home. Remortgaging could save you hundreds or even thousands of pounds over the term of the mortgage. It is important to note that early repayment charges may be applied by the existing lender. We will be pleased to help and advise you further on how to switch and save.
First Time Buyer
The prospect of buying your first home could be both daunting and confusing. Our aim is to guide you through the transaction from start to finish so that you understand exactly what the purchase entails and how much it will cost.  We can recommend the services of local solicitors to assist in this process. This maybe the largest financial transaction you are ever likely to make so it must be done with clarity.
Buy to Let Mortgage
Buy-to-let (BTL) mortgages are specifically for individuals who wish to buy residential property which they intend renting to tenants. Although a BTL mortgage is similar in a number of respects to a standard residential mortgage, there are some significant differences between the two.
Self Build
For those who want to build their own home, a conventional residential mortgage is not an option. Instead, the self-builder would need to apply for a self-build mortgage. Not every lender is active in the self build mortgage market and those that are, tend to charge a higher rate of interest for self build mortgages.
Fixed Rate Mortgage
The interest on the loan will neither rise nor fall for a pre-determined period of time. Although the monthly repayments will stay fixed, if interest rates fall, the borrower could potentially end up paying more than he or she would on another type of mortgage.
SVR Mortgage
The standard variable rate mortgage. The monthly mortgage repayments are based on the prevailing rates of interest the lender charges - not the Bank of England (BoE) base rate. In other words, it is entirely the lender’s decision on the rate of interest they charge the borrower.
Tracker Mortgage
The interest rate applied to the mortgage repayment is linked directly to the Bank of England’s base rate and will rise and fall in line with that rate.
Second Charge Mortgage
A separate and additional mortgage to the homeowner’s main (or first) mortgage. Second charge mortgages (sometimes known as ‘Homeowner Loans’) are loans which are secured against the borrower’s residential property, and as such, are available only to homeowners. In common with remortgages, second charge mortgages are sometimes used by homeowners to raise money.
Cashback Mortgage
A mortgage that pays a lump sum cash rebate of a fixed amount of money, or a percentage of the actual loan, on completion of the mortgage or shortly after.
Offset Mortgage
Where a mortgage borrower also has savings, by giving up the interest on those savings he or she can reduce the amount of interest they pay on their mortgage debt.
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Take a couple of minutes to watch this video, courtesy of one of our lenders – Accord Mortgages.

It breaks down the complicated process when it comes to buying a house, or applying for a mortgage.

Just hit play!

Repayment methods for your mortgage

Once their mortgage application has been accepted in principal, the borrower may have the option of deciding how he or she repays their loan: on a ‘capital and interest’ basis, or on an ‘interest only’ basis.

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The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

Sarah Barlow Financial Solutions Limited is a trading style of Yorkshire Financial Consultancy Limited which is an appointment representative of PRIMIS mortgage network. PRIMIS mortgage network is a trading name of First Complete Limited which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products.

Yorkshire Financial Consultancy Limited registered in England and Wales no 04121853 | 37 Commercial Street, Morley, Leeds LS27 8HN

Sarah Barlow Financial Solutions Limited is a trading style of Yorkshire Financial Consultancy Limited. Sarah Barlow Financial Solutions is registered in England No. 11046664. Registered office: Diamond House, Diamond Court, Bakewell, DE45 1EW

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