Mortgage Services

Our Mortgage Consultants are here to help you every step of the way through the mortgage maze, beginning with the application forms through to finding the right mortgage for you, one that will suit your needs and financial requirements - we'll help you do it all.

With our professional advice and access to a panel of selected lenders - we're sure we can help you, whether you are a first-time buyer, a seasoned property mogul, wanting to move up the property ladder or even just remortgaging.

more help for you... we have a selection of free guides to help you with your mortgage requirements and how we can help you. Simply download the relevant guide below:

we use a panel of selected lenders

With access to a selected panel of lenders, not only can our Mortgage Consultants offer you a mortgage product that is right, we can also access dedicated teams that only process applications from our customers meaning your mortgage application moves through more swiftly.

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Initial Rate

The period of an introductory or discount interest rate on a mortgage. The initial rate period varies by loan type and can be as short as one month or as long as several years.

Type of Mortgage

Fixed. A fixed mortgage is where the interest rate is fixed and will not change for a specific period, usually between 2 and 5 years. During this period the interest rate is usually discounted from the lenders standard rate. This is known as the discount period.

Tracker. The rate of a tracker mortgage is linked to a fixed economic indicator – usually the Bank of England base rate. This doesn't mean it's the same as the base rate, just that the rate moves in line with it. This means the rate can go up, or down. The tracker rate can be discounted and under this circumstance the discount will apply for a specific period, usually between 2 and 5 years.

Standard Variable Rate (SVR). This is the lenders standard rate. This will always be higher than the discount rates for some Fixed and Tracker products as the rate is usually linked to the Bank of England's base rate movements and is typically 2 to 5 percentage points above this base rate. The SVR is the rate that most borrowers end up on after the end of an incentive period such as a two-year fix or two-year discounted rate.

Initial Rate Period

The period of time in months to which the discount rate would apply. SVR products and some Fixed and Trackers do not have a discount period and as such the initial rate period would be 0.

Maximum LTV

The maximum Loan to Value (LTV) is the maximum a lender will lend you against the value of your property. This is calculated by dividing the loan amount by the house value. For example, if the maximum LTV is 80% and the property value is £100,000 then the maximum loan permitted would be £80,000.

Initial Monthly Cost

The initial monthly payment, this may be the discounted rate and will only apply for the initial rate period.

Product Fees

Whether the lender charges a fee to arrange the mortgage

Overall Cost for Comparison

This is the Annual Percentage Rate of Charge (APRRC). A lender is always required to quote the APRC when advertising a loan or borrowing rate. It is a standard interest rate calculation designed to reflect the total amount of interest that will be paid over the entire period of the loan.

join our lifetime membership service

As a lifetime member, you will never have to pay another broker fee to us again for mortgage advice, no matter how many times you move or remortgage your existing home*

*an administration fee may apply

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a tailored touch

We take the time to get to know you, this is why our Mortgage Consultants are able to offer you an advice and recommendation service based on your own individual circumstances. This means that we can be sure to find the right mortgage product to suit your needs.

committed to you

Our Mortgage Consultants offer a completely dedicated service. This means that you will be appointed a contact from the outset who will liaise with your solicitor, the lender and insurance companies, keeping you up to date on the progress of your mortgage application every step of the way.

a service that you can trust

Our Mortgage Consultants are fully authorised to give you mortgage and insurance advice.

Regulated by the Financial Conduct Authority, everything that we do is transparent, meaning you get complete peace of mind when using our mortgage services.

protecting your property

We offer advice on insurance products designed to ensure that even if you are too ill to work or in the event of your death, you still have the funds to keep your home for your family. We can also arrange buildings and contents insurance for you, to protect your home and your belongings.

On request, we can refer you to a specialist Consultant to provide you with advice on additional products that can be designed to provide a lump sum or income for you and your family. These products are designed to help you and your family to maintain your current lifestyle in the event of ill-health or death before your selected retirement age.

Our specialist advisers can tailor a solution to meet your individual circumstances.

Our products and suppliers are - Ageas Insurance Limited for Buildings and Contents Insurance and Aviva for Term Assurance, Critical Illness Cover and Income Protection.

you'll gain access to myaccount

Keeping an eye on where you are with your mortgage and insurance transaction has never been easier with myaccount. With myaccount you'll gain access to key tools, guides and monitor your milestone markers to see how your transaction is progressing and much more!

go to myaccount

what our mortgage customers say...

We love hearing what our customers have to say about our service, we use an independent review company Feefo to find out what our customers think - take a look for yourself...

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Super helpful

Jeni was beyond helpful, with this being my first time purchasing a house, her direction has been highly valuable.

Extremely friendly & stress free experience so far

As a first time buyer, what is a hugely daunting process has been made much easier to understand. Tara is there for us for anything we need, has be very forthcoming with information and has gone above and beyond to accommodate our needs.

Highly recommended

Jack Edwards is an amazing IFA. He has dealt with all my mortgages and insurances over the past 14 years and has saved us a huge amount of money and helped me when we needed to claim on life insurances.

Excellent

Thanks 🙏

A Brilliant Team

Couldn't have asked for anyone better. The team (both sales and mortgage) at Fox & Sons Portsmouth are absolutely fabulous and so incredibly helpful. Special shout out to Jordan who has looked after my partner and I throughout our mortgage journey and Gemma, Adam and Ellie who have all helped us to find out perfect home. I would highly recommend them to anyone!

Highly recommend Jake Juster

Jake has been absolutely fantastic and very efficient. He has assured us every step of the way and made us feel at ease.

Reassuring and amazing

Helpful and professional

Best Estate Agents in Portsmouth

From start to end, they have been amazing. Jordan is a brilliant mortgage broker. Patient, supportive and explains things clearly without the jargon (we are first time buyers)

Even beyond the mortgage services, the whole team are incredible. Shout-out to Ellie (estate agent) for showing us initial properties, Adam (for helping us with our offer negotiation) and Gemma (who supported us through our second viewing and found out the answers to all of our questions).

Better than the rest

Fantastic! Daniel in Plymouth is outstanding always available and so helpful worth his wait in Gold

Friendly and good services.

He is nice, friendly and patient with me during all the paperwork. Thanks.

Very professional, reliable. I felt very safe in the mortgage advisor’s hands.

Very professional, reliable. I felt very safe in the mort...

Remortgage

Helena , Excellent as always, puts our needs first and does all the hard work for you, taking the stress out of the process .

5* review

James is very professional & detailed. He has given us confidence in an area where we had zero to little experience. I would highly recommend using him in your journey to buying a property.

Still on going.

Friendly and informative service

Very helpful and good service good manager,

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find out more

find out how we can help you with your mortgage and protection requirements by using the contact form.

talk to someone

call our mortgage and protection team on

01525 213 721

Any fees payable will be explained in your initial no-obligation appointment, before you choose whether to use our Mortgage Services. .

If we have previously arranged a Mortgage Payment Protection from Allianz for you and you would like Claims ratio data, this is available upon request in writing to Compliance Mortgage Services, Sequence, Cumbria House, 16-20 Hockliffe Street, Leighton Buzzard, Bedfordshire, LU7 1GN or by email on customerrelations@sequencehome.co.uk. Alternatively, you may request this data by contacting us on 01525 244 504.

reasons to choose our mortgage services...