For most people a mortgage is the biggest financial commitment they will make in their lifetime.

There is an array of different types of mortgage available such as fixed rate, variable, discounted and offset.  You have to consider whether you want a repayment or interest-only basis, and also over what term the loan will be.  If you make the wrong choice you could end up paying more than you need to.


And once you’ve navigated your way through these options, will you be able to find a lender willing to actually give you a mortgage?  Acceptance criteria for mortgages have become stricter since the credit crunch and some deals are only available to those with spotless credit histories or a large deposit.


Jelf can help you with all of this.  We have specialist independent mortgage brokers who can help assess your requirements and recommend the best type of mortgage for you from those available across the whole of the market.  Then we’ll liaise with the lender and help you deal with the paperwork.


A fee will be charged for our mortgage service. Dependent on the level of service being provided this will either be a one off amount, typically £500, or based on a percentage of the loan amount, which will not exceed 0.5% for a new purchase and 0.25% for re-mortgages. The fee to be paid will be agreed with you at the outset.

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


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