Copyright © All rights reserved. Made By MR Web Concepts
Independent and Innovative solutions to all of your mortgage requirements
*Not all mortgage contracts are regulated by the Financial Services Authority. Think carefully before securing other debts against your home. Your home may be repossessed, if you do not keep up repayments on your mortgage. **Lifetime Mortgages - This is a lifetime mortgage. To understand the features and risks, ask for personalised illustration.
Mortgage Concepts Associates Ltd. Registered office, 66 Spring Cross, New Ash Green, Longfield, Kent DA3 8QQ. Registered in England & Wales no 05694058. Mortgage Concepts Associates Limited is an appointed representative of Valid Path Limited which is authorised and regulated by the Financial Services Authority.
Mortgage Concepts Associates Ltd. Registered office, 66 Spring Cross, New Ash Green, Longfield, Kent DA3 8QQ. Registered in England & Wales no 05694058. Mortgage Concepts Associates Limited is an appointed representative of Valid Path Limited which is authorised and regulated by the Financial Services Authority.
Tel 0845 838 1581
Flexible, Offset & Current Account Mortgages
The main benefit of flexible mortgages are that they give you the full value of capital repayments immediately. If you make a repayment of capital today that payment is reflected today, not deferred until a future date, perhaps up to a year under traditional arrangements. For these reasons, they can be a particularly good idea for people who receive a healthy bonus every year or for the self employed whose unpredictable income levels can mean they sometimes want to overpay, but sometimes need a break.
Flexible mortgages recalculate the amount of interest due on a daily basis, thereby reflecting your borrowing more accurately than traditional loans, and for those making regular repayments of capital, making them cheaper.
Flexible mortgages recalculate the amount of interest due on a daily basis, thereby reflecting your borrowing more accurately than traditional loans, and for those making regular repayments of capital, making them cheaper.
Offset Mortgages if you want an even more flexible mortgage then an Offset mortgage may be right for you. They are a flexible mortgage that can adapt to your individual circumstances. Simply put, an offset mortgage allows you to use the credit balance in an eligible current or savings account to “offset” against the balance of the mortgage, thereby reducing the amount of mortgage on which you are charged interest.
This saving can be used to either reduce the term of the mortgage or reduce the the
This saving can be used to either reduce the term of the mortgage or reduce the the
Current Account Mortgages can be even more effective as they combine your mortgage, current account, credit card and savings all in one account.
For higher rate tax payers this is the equivalent of receiving up to 10% gross interest on your savings in the offset accounts! You will not actually see this interest but will benefit from it reducing the interest charged to your mortgage account
For higher rate tax payers this is the equivalent of receiving up to 10% gross interest on your savings in the offset accounts! You will not actually see this interest but will benefit from it reducing the interest charged to your mortgage account
This type of arrangement can benefit the self employed and those with cash funds that they would normally invest in banks or building societies.
Offset Mortgage Flexible Mortgage
| Mortgages and Re-Mortgages |
| Offset & Current Account Mortgages |
| Bridging |
| Buy to Let |
| Equity Release |
| Foreign Currency Mortgages |
| Secured Loans |
| Commercial Mortgages |
| Foreign Property Mortgages |