we are committed to finding you the right mortgage
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:
Lenders correct as of February 2023.
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.
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.
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.
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.
The initial monthly payment, this may be the discounted rate and will only apply for the initial rate period.
Whether the lender charges a fee to arrange the mortgage
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.
reasons to choose our mortgage services...
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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!
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...
The sales team are fantastic, always happy to help and answer any questions.
Gemma was the best, she didn't bombard us with emails, just a courtesy every other week to check in on us and offer her help when needed. Always easy to get hold of and never judged us when we asked (silly) questions.
Danielle has been excellent. She’s efficient and friendly, at no point have I doubted her work.
In detail explaining and excellent support ………………………………………
We approached several mortgage brokers, and by far the advice we got from Daniel Everest at Fox & Sons was the best and spot on given our circumstances. He understood our circumstances and our goals in detail. Not only this but he also closely followed all aspects of the purchase and gave us recommendations and even saved us from unnecessary services that were being sold by the competing estate agency.
fox and sons have been really good to me, as i have used them to now and in the past to buy and sell property,they mostly always keep me updated.
Knowledgeable and knows his stuff. Found a product better suited to our needs that we weren't aware of
Graham was extremely helpful, very knowledgeable and dealt with my case in a quick, matter of fact and efficient way.
Very good service. My mortgage broker very cared about my situation.
Efficient and understanding
I’ve been dealing with Jack Johnson for a number of years and have successfully obtained 5-6 mortgages. He is easy to deal with, very honest and thorough and I would and have recommended him.
Very exlainplanitive in the steps it takes to apply for mortgage
Leah was extremely helpful and made the process very easy throughout. I would highly recommend.
Couldn't of asked for anything better,, plenty of information and everything was explained in detail
Professional, concise and easy to navigate.
Great value for money and fantastic service, helped with everything and nothing was too much trouble; cannot recommend enough.
Really helpful appointments, clear explanation of the options without lots of finance jargon. Felt that Barry really wanted to help and find the best plan for me.
We had some complications getting a mortgage our last resort was these guys, Flyn who helped us sorting everything and we are great full of the outcome. Top man thank you very much
Explained everything really well and made it seem so simple