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Mortgage & Equity Release - Call Us 0117 403 4474

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 0.94%
Rate type: Fixed 24 months
Monthly cost: £561.24 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.3% APRC
Nationwide BS logo 0.94% Fixed 24 months 3.3% APRC 60% £999 £561.24 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 0.95%
Rate type: Fixed 26 months
Monthly cost: £561.92 per month
Max LTV: 60%
Product fee: £1,499
Overall cost for comparison: 3.9% APRC
Platform logo 0.95% Fixed 26 months 3.9% APRC 60% £1,499 £250 cashback £561.92 per month get quotes Call us0117 403 4474 More details
Initial rate: 0.98%
Rate type: Fixed 26 months
Monthly cost: £563.95 per month
Max LTV: 60%
Product fee: £1,999
Overall cost for comparison: 3.7% APRC
Cumberland BS logo 0.98% Fixed 26 months 3.7% APRC 60% £1,999 £563.95 per month get quotes Call us0117 403 4474
Initial rate: 0.98%
Rate type: Fixed 26 months
Monthly cost: £563.95 per month
Max LTV: 60%
Product fee: £1,999
Overall cost for comparison: 3.7% APRC
Cumberland BS logo 0.98% Fixed 26 months 3.7% APRC 60% £1,999 £563.95 per month get quotes Call us0117 403 4474
Initial rate: 0.99%
Rate type: Fixed 24 months
Monthly cost: £564.63 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.9% APRC
Progressive BS logo 0.99% Fixed 24 months 3.9% APRC 60% £995 £564.63 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 1.00%
Rate type: Fixed 27 months
Monthly cost: £565.31 per month
Max LTV: 70%
Product fee: £999
Overall cost for comparison: 3.0% APRC
Santander logo 1.00% Fixed 27 months 3.0% APRC 70% £999 £565.31 per month get quotes Call us0117 403 4474 More details
Initial rate: 1.00%
Rate type: Fixed 27 months
Monthly cost: £565.31 per month
Max LTV: 70%
Product fee: £999
Overall cost for comparison: 3.0% APRC
Santander logo 1.00% Fixed 27 months 3.0% APRC 70% £999 £565.31 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 1.02%
Rate type: Fixed 26 months
Monthly cost: £566.67 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.9% APRC
Skipton BS logo 1.02% Fixed 26 months 3.9% APRC 60% £995 £566.67 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 1.05%
Rate type: Fixed 27 months
Monthly cost: £568.71 per month
Max LTV: 65%
Product fee: £999
Overall cost for comparison: 4.3% APRC
Leeds BS logo 1.05% Fixed 27 months 4.3% APRC 65% £999 £568.71 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 1.05%
Rate type: Fixed 26 months
Monthly cost: £568.71 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.9% APRC
Platform logo 1.05% Fixed 26 months 3.9% APRC 60% £999 £250 cashback £568.71 per month get quotes Call us0117 403 4474 More details
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Representative Example:

A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.

 

The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).

 

In this example the overall cost for comparison is 3.7% APRC representative.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

Finance For Home Improvements

Our Home Improvement Finance Service

Our Home Improvement Finance Services can provide you with: 

  • Exclusive Deals – We provide you with exclusive mortgage deals that you will not find elsewhere on the high street.
  • Whole of market Service – We compare all deals from all of the top lenders in the market so you do not have to. 
  • Lowest Rates – We give you access to the leading mortgage deals.
  • Swift Turnaround – You can contact us today if you need to work quickly
  • Thinking of buying a property at auction? – Contact us today

Access To Best Rates 

Finance for Home Improvements

Our Mortgage Service can help raise capital for home improvements

Raising Finance for Home Improvements

Improving your home not only makes it a more enjoyable place to live, if done correctly it is also likely to add value to your property. It is reasons such as these that have left millions of UK homeowners looking to improve their homes rather than moving.

If you are one of these people and have finally decided to improve your home with the installation of that new kitchen or loft conversion, you’re probably wondering what funding options are out there and available to you.

If you outright own your own home then it is possible for you to take out a mortgage out to raise the finance. Alternatively, if you already have an existing mortgage you can either remortgage your house to raise capital, or consider a ‘second charge mortgage’ (Also known as a homeowner or secured loan).

  • Remortgage – A remortgage involves taking out a new mortgage on a larger amount of equity. The capital raised from this can then be used to pay off the expenses required for the home improvements.
  • Second Charge Mortgage/Homeowner Loan – A second charge loan can be taken out in addition to your existing mortgage, providing you own enough equity in your home. For instance, if your home was worth £300,000 and you have £100,000 left to pay on your mortgage, you could take out a secured loan on some of the £200,000 equity in the property that you own.

Whilst second charge mortgages can often have higher rates than those associated with mortgages, they also have the potential to be cheaper if your existing mortgage has a large early repayment fee.

Considerations

Whilst taking out a mortgage, remortgage or homeowner loan can assist you to raise the finance required to carry out home improvements, it is also important to remember that they are secured products. Consequently, failure to keep up your repayments can result in your home becoming repossessed.

Homeowner loans work on a ‘second charge’ basis whilst your main mortgage works on a ‘first charge’. Put simply, if you failed to make repayments and your home was repossessed; your main mortgage would have priority to be repaid through the sale of the property.

Our Services

Taking out a mortgage, remortgage or homeowner loan is a vital decision, so it is important you make the choice that best suits your personal circumstances. Like many financial products, it is important to shop around to find the best deal, although you are also likely to benefit from speaking to an independent mortgage advisor.

We have access to leading mortgage rates and exclusive loan deals not available on the high street, in addition to a team of mortgage advisors who can use their expert knowledge of the market to find the best deal suitable for your own personal needs.

If you need any advice on what funding options are available to you when looking to raise capital for home improvements; you can call one of our advisors on 0117 313 7780 or alternatively, fill in our online contact form for a FREE initial consultation.

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