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Top Deals

first time buyers
Fixed rate 4.18% until 02/10/2011
Subsequent rate 4.24%
Booking fee £995
Total cost for comparison 4.5% APR
No Higher Lending Charge
Early Repayment Charge 3% until 02/10/2011
shared ownership
Fixed rate 5.74% until 02/10/2012
Subsequent rate 4.24%
£495 arrangement fee
Total costs for comparison 4.9%
No higher lending charge
ERC 4%
buy to let
Fixed rate 4.69% until 31/07/2010
Subsequent rate 4.69%
Arrangement fee £1750
Total cost for comparison 5.1% APR
No higher lending charge
Early Repayment Charge 5% until 31/07/2010
home movers
Fixed 4.28% until 02/09/2011
Subsequent rate 4.24%/li> Booking fee £995
Total cost for comparison 4.9% APR
No higher lending charge
Early Repayment Charge 3% until 02/10/2012

The actual rate available will depend upon your circumstances. Ask for a Personalised Illustration.

We know mortgages - Ask us anything

Valuable information

Treating Customer Fairly (TCF)

We Know Mortgages Ltd TCF proposition:

  • Consumers to be confident in their dealings with our firm
  • Consumers to be provided with clear information and are kept approximately informed before, during and after point of sale.
  • Where consumers receive advice, the advise is suitable and takes account their circumstances.

Agreement in principle

An agreement in principle is issued by the mortgage lender taking into account your circumstances. This will indicate how much you can borrow, the deposit size and the requirements for the full mortgage application.

It is advised to be agreed by the mortgage lender prior to searching for a property.

Too many credit searches

Consumers must be aware at every time a agreement in principle is carried out, a foot mark is left on their credit files. Too many foot marks could result in applications being declined. Consumers are advised to allow one firm to carry out the searches at one given time.

Key Facts Illustrations

Prior to the mortgage application, the consumer will receive a Key Facts Illustration. This document will highlight monthly costs, set up costs, initial and revert rate, any penalties, total amount payable, mortgage term, overpayments facilities. The Key Facts Illustration should mirror the final mortgage lender offer.

Affordability

Prior to mortgage application, we will carry out affordability checks benefiting the customer and the advisor. A budget will be proposed and a surplus income towards any unexpected costs. The applicants affordability is an integral part of the mortgage applications.

Protection

Protecting the mortgage is equally important to the mortgage payments itself. Making sure, your home, family, income and lifestyle are protected if the worst was to happen. Peace of mind.
Life/Critical illness insurance, Income Protection, Accident Sickness Redundancy and Building and Contents insurance are advised.

Will

Dealing with a loss is difficult but it will be more difficult for your loved ones if you don’t prepare a will. The will is perhaps the most important document a person signs.
We will advise you during your mortgage application to speak to a solicitor to arrange a will.
Will writing is not regulated by the Financial Services Authority.