Mortgages
Looking for a mortgage advisor Liverpool? Mortgage Xperts is an independent mortgage broker with decades of experience offering the most suitable mortgage products for their clients.
Mortgage Products
Which mortgage is right for me? Get help here to find out about the different types of mortgages available:
Fixed Rate
A fixed-rate mortgage allows you to fix your level of repayment, irrespective of any interest rate fluctuations. This means your monthly repayments will remain the same every month for a period agreed between you and your lender.
Standard Variable Rate (SVR)
The SVR is the lender’s standard rate. With a variable-rate mortgage, you can normally switch lenders without penalty.
If you take out a mortgage with a fixed, tracker, or discounted rate, once the agreed-upon period ends, the loan will usually revert to the lender’s SVR.
Discount
The discount mortgage is a variation of the standard variable rate mortgage. It provides a discount from the lender’s SVR for an agreed period.
The variable interest rate does fluctuate, meaning your monthly repayments may differ slightly from month to month, but the discount remains constant.
Fixed, Tracker and Discount rate mortgages often have early repayment charges, so you need to be sure this is suitable for you and your foreseeable future.
Furthermore, the lender may charge a ‘booking/arrangement fee’ to apply for these types of mortgages. You can ask your advisor to explain these in more detail or request an illustration.
Tracker
A tracker mortgage usually tracks, for an agreed period, any movement in an index specified by the lender – for example, the Bank of England base rate.
This means that you will benefit from any falls in interest rates, but also means that you will have to pay more each month should the rate increase.
First-Time Buyer Mortgages
There are many schemes available to help first-time buyers find the best mortgage deal and make their way onto the property ladder. Through our specialist mortgage knowledge and experience, we have helped numerous first-time
Residential
Moving home and need some advice? Get in touch today with Mortgage Xperts. Trusted in the region for residential mortgages in Liverpool.
Remortgages
A new mortgage doesn’t have to mean moving house. We are Xperts at helping you remortgage you home.
Buy-To-Let Mortgages
Property can be a popular investment and we help 100’s of landlords develop their investment portfolio with buy-to-let mortgages in Liverpool.
Commercial Mortgages
Funding for developments and commercial purposes is very much available in the current market – finding it is the challenge. That’s where Mortgage Xperts can help.
