P C Financial Ltd are Independent Financial Advisors registered in England. Registered Number: 4825514.

P C Financial Ltd is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Services Authority.

The site is intended for UK consumers only.

 

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Mortgages

 

If you are buying your own property or an investment property you are more than likely going to have to borrow some money to do this, unless you are very fortunate.

 

The loan you get is known as a mortgage and there are a huge variety of mortgages to choose from. Like everything else in finance, as your circumstances are individual to you the type of mortgage you require may be different to your next door neighbours.  Therefore, it is essential to seek profession advice when entering into a mortgage contract.

 

Here is a list of some of the types of mortgages available:-

 

• Interest Only
• Repayment Mortgage
• Flexible Mortgage
• Offset Mortgage
• Buy to Let

 

After we have decided which is the most appropriate mortgage vehicle we then decide on rates, which could be one of the following.

 

• Variable Rate
• Fixed Rate
• Capped Rate
• Discounted Rate
• Tracker Rate
• Cash Back

 

Remember it’s not all about the lowest rate, as you will find there are often associated costs which once considered may show that the true cost of the mortgage is not that great!  

 

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

 

The FSA does not regulate some forms of Buy to Let Mortgages.

 

For mortgages we can be paid by commission, or a fee of usually £285.00 or a combination of both.

 

Please contact one of our advisers today to arrange an appointment to discuss mortgages and options available.