mortgages

Introduction to Mortgages and the Choices

When it comes to securing a mortgage, it's essential to understand your options. At Finance Factors, we believe every client is unique, and so should be their mortgage. Your job, income, and lifestyle are distinctive to you, making your mortgage needs different from anyone else's. With an array of mortgage options available, from fixed and variable rates to tracker rates, it can be overwhelming. We are here to help you navigate these choices with clear, professional advice.

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Mortgages Explained

The mortgage landscape is vast, offering various options such as fixed, variable, or tracker rates. Additionally, you may need to decide between interest-only or capital repayment mortgages. Fixed-rate mortgages provide stability with consistent payments, while variable and tracker rates can fluctuate, potentially offering lower payments but with more risk. Interest-only mortgages allow for lower monthly payments, though the principal sum (the amount you borrow) remains, whereas capital repayment mortgages steadily decrease your debt over time.

Applying for a mortgage can be a complex process. That's why having expert guidance makes all the difference. We've assisted thousands of applicants in finding the right mortgage, ensuring they make informed decisions. Whether you need friendly advice or a step-by-step guide through the entire process, we are here to help. At Finance Factors, nothing is ever too much trouble.

Why Use a Mortgage Broker?

Choosing a mortgage is one of the most significant financial decisions you will ever make. The right choice can save you thousands of pounds in interest. Researching various mortgage types and comparing interest rates is time-consuming. When you're busy searching for a new home or looking to remortgage, time is often limited. We act as your human Go-Compare.

As experienced mortgage brokers in Maidstone, we handle all the legwork. We take the time to understand your specific situation and direct you to the best mortgage options. With our market expertise, we provide recommendations that are in your best interest. You don't even have to take our advice, but knowing it's available can provide peace of mind.

Types of mortgages  

 

 

Types of Mortgages

Finance Factors offers a wide range of mortgage options to meet your unique needs:

 

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New & Self-Build Mortgages

For New Build Homes, we work with Builders/Developers and understand the Need for Speed. For those building a home, we offer specialised mortgages to fund your project.

New & Self-Build  

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Adverse Credit

If you have a less-than-perfect credit history, we can help find a mortgage that suits your unique financial circumstances, needs, and long-term goals.

Adverse Credit 

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Specialist Lending

For unique or complex situations, we have access to specialist lenders who can offer tailored solutions, personalised advice, and flexible financing options.

Specialist Lending 

 

By understanding your unique needs and providing clear, professional mortgage advice in Maidstone, we aim to make the mortgage process as smooth and straightforward as possible. At Finance Factors, we take the FAFF out of Finance.

 

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOANS SECURED AGAINST IT.

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Finance Factors is a Trading style of Finance Factors LTD who are an Appointed Representative of Advice Solutions LTD which are Authorised and Regulated by the Financial Conduct Authority. The Financial Service Register Number is 961681.

The Financial Conduct Authority does not regulate some forms of Buy to Lets.

There may be a fee for mortgage advice. The precise amount will depend on your circumstances, but will be agreed with you before proceeding.

Finance Factors is a Limited Company. Registered Address: Finance Factors Ltd, 2 Kingsbroom Court, Kingswood, Maidstone, England, ME17 3ST, United Kingdom.  Registered in England and Wales under number 15814885.

We always aim to provide a high-quality service to our customers. However, if you encounter any problems, in the first instance please write to the registered address above, email or call Finance Factors outlining your complaint, if we are unable to resolve this, you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service (www.http://www.financial-ombudsman.org.uk/consumer/complaints.htm).

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Some calls maybe recorded for training and monitoring purposes.

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