Visit us at the top of Market St. in Kettering Pop in for a cup of tea to discuss your mortgage at 2 Church Walk, Kettering, Northants NN16 ODJ
or CONTACT US HERE...
Mortgage Broker in Kettering - Best4U Mortgages
Best4u Mortgage Brokers of Kettering are an independent Mortgage Brokerage with over 20 years experience in the industry. We are a firm specialising in offering the best advice to home owners in the town and surrounding area.
Best4U will find the best mortgage 4 u, no matter what your situation is. Our experience in this industry means we know which products are best for you through the relationships we have built up over the years with all our lenders and third parties. You may have short term financial issues, or your may need to juggle other financial commitments before you can take up a new mortgage. This is the type of situation we are very happy to help you with.
Confused about what to do?
Remember that kettering high street banks and building society can only sell you their own products and may only have limited time and expertise, and with affordabilty calculators complicating applications, we will help you understand what your full options are and explain everything in plain english.
If you would like to talk to us now, then either fill in the 'CALL ME BACK' form in the right of this page, or call us on 01536 411144.
Mortgage Product Guide
Base/Variable Rate Mortgage
Variable Rate Mortgages use the lenderâ€™s basic mortgage rate. It will vary as interest rates change over time.
Buy To Let Mortgages
Buying a second property to let using Buy to let Mortgages has become more and more popular in recent years.
Capped Rate Mortgages
Capped rate mortgages are essentially a combination of a fixed rate mortgage and a variable rate mortgage. For a defined term, you are guaranteed not to pay above a fixed rate of interest on your mortgage. But at the same time, you will benefit if interest rates fall below this level.
Some lenders attract new borrowers by offering a percentage of the overall loan as cash - usually to help with the costs of moving - which is forwarded to you when the mortgage application has completed. The offers look great, but you can be certain that the lenders are not simply giving money away.
Current Account Mortgages
Current account mortgages is another form of flexible mortgage. In this case, the mortgage is linked to an everyday current account. Your mortgage is, in effect, like a big overdraft.
Discount Rate Mortgages
For a fixed term, Discount Rate Mortgages offer a set discount (expressed as a percentage) off the lenderâ€™s standard variable rate.
Best4U of Kettering Northamptonshire provide the Best Equity Release/Lifetime Mortgage Advice and Support for people who want/need to finance big changes in their lives.
First Time Buyers
Buying your first property, and obtaining your first mortgage, can be daunting. After all, it is one of the most important financial decisions you will ever take. We have access to a variety of specialist schemes for FTB, please contact us and we can advise on the best deal 4U.
Fixed Rate Mortgages
Fixed rate mortgages is self-explanatory. The rate of interest is fixed for a defined term, usually between six months and five years. After the end of this term, the mortgage will usually revert to the lenderâ€™s standard variable rate.
Flexible mortgages are an added benefit of most standard mortgages, where you can overpay your mortgage every month and therefore repay your mortgage early and save on interest.
Free Valuation or Refund of Fees/Costs
Your monthly mortgage payments are not the only costs you will incur when you obtain a mortgage. You will also have to pay for valuation fees, legal costs and arrangement/ lender fees. On top of this there may be stamp duty.
If you have been with your existing lender for some time, it may be worth re-mortgaging to a new lender and saving money, you do not have to raise extra money when you re-mortgage, though we will look at whether it is worth you staying with your existing lender as it may not be viable to move.
Right To Buy Mortgages
This is where you have been offered the 'right to buy' on your council house at a discounted price of the actual value.
These are based on Bank of Englandâ€™s base rate which is reviewed on the first Thursday of every month.