Mortgages                                                    

Choosing a mortgage is probably one of the biggest financial decisions you will make.  With thousands of different mortgages on the marketplace it can seem like an impossible maze to find your way through.

Bespoke Money takes advantage of market leading technology which is updated on a daily basis and is backed by one of the UK's largest networks which provides us with access to exclusive products from various lenders.  Our philosophy is not to just provide a one-off solution, but to constantly monitor the market to ensure you have the most suitable products and services on offer.  Our goal is to provide you with such a high standard of service, you will remain a client for the full duration of the mortgage.

We can find a mortgage product to suit your own individual requirements.  Whether you are a first time buyer, a home mover or you wish to remortgage to an alternative lender, we will endeavour to recommend a product to suit your needs. 

There are basically two major types of mortgage repayment methods available in today's market:

Repayment - A Repayment Mortgage is structured so that the monthly mortgage payments, comprising partly of capital and partly of interest, pay off the original amount borrowed as well as the interest that would be accrued over the mortgage term, by the end of the term.

Interest only - So called due to the fact that you only pay interest to the lender each month. The original loan amount remains the same for the term of the loan. Therefore a suitable investment is required to run in conjunction with the mortgage in order to repay the loan balance at the end of the term. The most common investments used for this purpose include Pension, Endowment and ISA.

There are various mortgage products on the marketplace and these can vary on a daily basis.  We will recommend an appropriate mortgage product that will reflect your needs and expectations. 

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