- call us now:0203 0111 545
- email: info@happymortgage.co.uk
SERVICES
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE BUY TO LET MORTGAGES.
Your mortgage is probably the largest financial transaction and commitment you are likely to undertake. Surely then you should seek mortgage advice which is individually tailored to your needs and requirements?
We are not tied to any particular lender, which means that we have the ability to act on your behalf in order to establish the most appropriate mortgage solution for you.
Please find below a list of the mortgage products we provide advice on and a brief introduction to each product. We would be happy to discuss your requirements so please do contact us for an informal discussion to see how we might be able to help you.
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Tracker Mortgages
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.
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Cashback Mortgages
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.
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Offset Mortgages
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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Buy-to-let Mortgages
SOME BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.
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.
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Second Charge Mortgages
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.
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GENERAL ENQUIRY
Company address: Happy Mortgages Ltd, Suite 10, No. 1, Waterham Business Park, Highstreet Road, Faversham, Kent, ME13 9EJ
T: 0203 0111 545 E: info@happymortgage.co.uk
Registered address: C/O Wis Accountancy Ltd, 4, Imperial Place, Maxwell Road, Borehamwood, England, WD6 1JN
Happy Mortgages Ltd is is registered in England and Wales, No: 11501510.
Happy Mortgages Ltd is an appointed representative of Quilter Mortgage Planning Limited which is authorised and regulated by the Financial Conduct Authority.
The guidance and/or information contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.
Approver Quilter Mortgage Planning Limited 11/04/2024