You want a mortgage?
- We offer all types of mortgages from the whole market.
You want it easy ?
- We take the work away, we do it for you.
You want independent advice?
- we will recommend the most suitable product available.
Types of Mortgage
The point of my website is to explain the service I provide and the process we will follow. If this is of interest I hope that you will contact me.
It is then my job to advise you on the product most suitable for your circumstances. For this reason I am not going to explain in detail here all the different types of mortgage that exist. I don’t think I should make you work too hard on your own, particularly when it is exactly the service I offer.
Needless to say I do arrange all kinds of mortgages and for all kinds of people so I should be able to help and I will consider all products available.
I also think that we can make this all a bit more difficult than it needs to be at times. A mortgage is simply a loan secured by your property. Most people cannot afford to buy a property outright so they have to borrow the money to achieve it. A lender will be willing to lend that money so long as they are happy with the property and happy with you as a borrower. Having borrowed the money, you have to pay it back, one way or another, at some time or another.
The lender is lending you the money and wants to receive a rate of interest for doing so. The rate of interest charged will depend largely on the degree of risk but you can often make a deal with the lender to reduce or fix that interest rate for a period of time.
When getting your mortgage you need to consider the rate of interest charged, the fees payable, any short term deal being offered, the restrictions and penalties of the offer and any special arrangements. You must consider your situation now and any likely changes in the future. You must be sure you can afford the mortgage both now and in the future and you should have a plan for repaying it.
The point of my service is not to present you with a vast array of different products to choose from. The starting point is not the product but you, the customer. We should therefore start from your situation, determining your needs and then find a product to match those needs.
Your home may be repossessed if you do not keep up repayments on your mortgage.The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
This site does not confer any form of personalised financial advice, should you wish to receive specific financial advice please contact us.
Blue Bee Independent Financial Advisers is an appointed representative of Interdependence Ltd, which is authorised and regulated by the Financial Services Authority. Interdependence Ltd is entered on the FSA register under reference 149826. Principal – Martin Saunders.
We are normally paid by commission from the lender or product provider. However, if you prefer we can work on a fee basis, in which case our typical fee is £500.
The Financial Services Authority do not regulate some forms of mortgage.
