skip to main content
CHN Logo

Mortgages & Finance

Whether you are buying your first property or moving home, it can be both confusing and a veritable minefield, so it’s essential that you go into the process with as much information as possible.

Contact Us
Helping you take the next step on the property ladder

Helping you take the next step on the property ladder

Purchasing a property is not merely just a case of buying bricks and mortar - it's also a statement that you are ready to make a mature financial commitment towards your future and make a home for yourself or your family.

It may be that you're looking to purchase a property, your current mortgage rate is coming to an end, you are looking to remortgage onto a better deal or release extra funds.

Our expert team are here to help you navigate the process.

Mortgage Types

We advise on a range of mortgage options to suit different needs, whether you're buying your first home, investing in property, or looking for flexibility in repayments.

Buy-to-let

A buy-to-let mortgage is for purchasing rental properties. The loan is secured against the property, and landlords use rental income to cover repayments.

Repayment

A repayment mortgage means you’ll pay back both the capital and interest over an agreed period. As long as you keep up repayments, your mortgage will be fully repaid at the end of the term.

Interest Only

An interest only mortgage allows you to pay just the interest charged each month for the term of the loan. You don’t have to repay the amount you’ve borrowed until the end of the term.

Flexible Mortgage

A flexible mortgage allows you to make overpayments, underpayments, or even take payment holidays. This can help you manage your finances and reduce interest by paying extra when possible.

Offset

An offset mortgage links your savings to your mortgage. Your savings reduce the interest charged but don’t repay the loan itself, helping you save on overall costs.

Fixed-Rate

A fixed-rate mortgage guarantees the same interest rate for a set period. This provides stability, as your monthly repayments won’t change during that time.

Standard Variable Rate

A standard variable rate (SVR) mortgage has an interest rate set by the lender, which can increase or decrease at any time, affecting your monthly repayments.

Capped Rate

A capped rate mortgage is a variable-rate loan with a maximum interest rate. This means your payments can go down but won’t rise above a set limit for a fixed period.

Discounted Variable Rate

This mortgage offers a temporary discount on the lender’s SVR, usually for two or three years. Your payments will still change if the SVR goes up or down.

Try our Mortgage Calculator

This calculator is for illustrative purposes only and should not be relied upon. The actual rate you may be offered by a lender would depend on your individual circumstances and status.

The above calculation is for illustration purposes only. Your actual payment may vary based on your lender's terms and conditions.

Services image

Personal services and advice for you

Retirement Planning

Helping you plan for retirement.

Mortgages

Making mortgages straightforward.

Tax & Estate Planning

Specialist advice on planning for your family’s future.

Personal Protection

Protecting you and your family’s future.

Investments

Making your investments work for you.

Wills

Guiding you through creating and managing a Will.

Related news & insight

‘Finding the right balance in uncertain times’

Market Commentary

‘Finding the right balance in uncertain times’

The Organisation for Economic Co-operation and Development’s (OECD’s) latest Economic Outlook, released last week, projects global growth of 3.2% this year, easing to 2.9% by 2026, following growth of 3.3% in 2024. The slowdown reflects the drag from rising tariffs and persistent policy uncertainty, which are weighing on trade and investment. The report, ‘Finding the […]

01 October, 2025
“We’re not out of the woods yet”

Market Commentary

“We’re not out of the woods yet”

The Monetary Policy Committee (MPC) voted to retain Bank Rate at 4% during its September meeting last week, following a 0.25 percentage point cut in August. This outcome was in line with expectations, as last week’s data from the Office of National Statistics (ONS) found that inflation remained at 3.8% in August. The MPC outline […]

24 September, 2025
“In the latest month, GDP showed no growth, with increases in services and construction offset by falls in production”

Market Commentary

“In the latest month, GDP showed no growth, with increases in services and construction offset by falls in production”

The latest figures from the Office for National Statistics (ONS) show that the UK economy flatlined in July, with no growth recorded. This is in line with expectations and follows gross domestic product (GDP) growth of 0.4% in June. ONS highlighted that monthly growth rates can be volatile, so it recommends referring to the three-month […]

17 September, 2025

Ready to arrange your free consultation?

Call Me Back