Mortgage Support

For most of us, a mortgage is one of the biggest financial commitments we are likely to make in our lifetime. With so many different products available, and with mortgages and interest rates hitting the news headlines daily, it can sometimes seem a bit daunting.

We have the experience and knowledge to help. We also offer a wide range of first charge mortgages from across the market, which lenders make available to mortgage intermediaries, which means we can provide a solution tailored to your needs. This includes:

• Mortgages – fixed, tracker, flexible, capped, discounted and variable. We’ll find the best one for you, from first-time buyers to those with a property portfolio
• Remortgages – paying off your existing mortgage and switching to another lender
• Equity release and home reversion* – letting you access the cash tied up in your home
• Intergenerational mortgages – to enable parents and grandparents to support their children or grandchildren on the property ladder
• Buy-to-let mortgages – designed for landlords (consumer or business) who buy property specifically to rent out
• Access to commercial mortgages – if you’re planning to move or expand your business premises

It’s worth bearing in mind that we have access to exclusive products and offers not available on the High Street, including the St. James’s Place intergenerational mortgage for first-time buyers.

Even if you’re just thinking about mortgage options at the moment, we’d be happy to give some initial guidance and advice. 

Your home may be repossessed if you do not keep up repayment on your mortgage.

The home on which the mortgage is secured may be repossessed if repayments are not kept up to date on the mortgage.

Commercial and some Buy to let mortgages are not regulated by the Financial Conduct Authority.

*This is a lifetime mortgage or home reversion plan. To understand the features and risks associated with such products, please ask for a personalised illustration.

Please note that commercial mortgages necessitate the referral to a service that is separate and distinct to those offered by St. James’s Place.