Mortgages
Download our free
Mortgages Mini Guide here
We offer a free initial enquiry to all
prospective clients. Many mortgages are handled on a no-fee basis although
we may charge a fee, particularly on smaller or more complex cases. If you are
re-mortgaging, looking at buy-to-let, a first-time buyer or buying your
next property, or if you require a commercial mortgage, just call 08700
427 900 to speak to a mortgage specialist,
or use the Feedback Form to give the basic details of your enquiry and request a
callback.
Why Bates?
Buying a home may well be one of your biggest financial commitments. It
can also seem one of the most daunting. There are hundreds of lenders, and
thousands of offers, to choose from. There are repayment, interest-only,
endowment, pension-linked and ISA mortgages. These can have interest rates
which are fixed, variable, capped, collared and capped, discounted,
tracker or cash-back. With all this to compare and contrast, how can you
be sure of making the right choice?
The answer is to use Bates. Our highly experienced and skilled
mortgage specialists will take the time to get to know your circumstances,
objectives and preferences. Being independent, we really do research the
entire market, using sophisticated I.T. systems, to find the most
appropriate mortgage for you.
Buying Your New Home
Once we have recommended a suitable solution we will ensure you have
the following information before you complete on your property:
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The reasons for making our recommendations
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The repayment method and period
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The consequences of early repayment
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The type of interest rate: variable,
fixed, discounted etc.
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Your repayments after any fixed or
discounted period
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Whether you have to take any insurances
with the mortgage, and if so the cost of such insurances
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The costs and fees involved with the
mortgage, such as valuation, arrangement and lending fees
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Whether your selected terms can be
continued if you move house.
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Fees:
Please Note:
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Your home may be repossessed if you do not keep up
repayments on your mortgage.
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The Financial Services Authority does not
regulate some forms of mortgages.
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For buildings and contents cover, accident
sickness & unemployment cover, we usually select products
from a selected panel of providers.
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