Finding the right mortgage for you can feel challenging, particularly when lending has tightened and changed so much to due to economic factors.

Talking to Birchwood’s mortgage specialists is a wise move, before you even start looking for a property.

We’ll take time to understand you, your needs and your attitude to money. So if you like security, you might prefer a fixed rate mortgage. If you can afford to see your monthly repayments alter occasionally, a tracker might be what you’re looking for. Or you might be “buying to let” as an investment for the future.

We’ll help to clarify repayment methods, interest rate deals and other factors that will influence your decision-making and help you assess how much you can comfortably afford to borrow.

As we’re 100% independent, so not tied to any mortgage providers, we can research the whole market, including options offered by lenders you may not be aware of.

We can also make your application for you, keeping in touch with solicitors, surveyors and estate agents to make sure that everything goes smoothly right up until the purchase is completed and you’re handed the keys to your new property.

Similarly if you are considering remortgaging, we can help clarify which deal provides the best overall value in terms of your current situation and your future plans. 

Please remember that your home may be repossessed if you do not keep up repayments on your mortgage, or any loans secured on it.