Competitive Mortgage Rates & Convenient Process

A mortgage is likely to be the single largest transaction most of us make in our working lifetime. Selecting the most suitable product for your personal needs and circumstances is vital to avoid unnecessary expense that could cost you literally thousands of additional pounds over the term of your loan.

We can arrange mortgage finance in the following areas:

  • Residential, both new purchases & remortgages
  • Buy to let, for new purchases & remortgages
  • International, for purchases & remortgages (*client must be in the UK to receive advice)
  • Commercial, for purchase, refinancing, expansion or development
  • Agricultural, for new purchases or refinances
  • Self build and renovation
  • We offer a referral process for bridging finance.

Banks, building societies, and smaller niche lenders are all competing for your business, and offer a variety of interest rate deals and fees to attract borrowers. We work quickly & efficiently on your behalf to assess the right option for you, leaving you free to get on with your life.

The two most common methods of repaying a mortgage are either interest-only or capital and interest repayment.

With the interest-only method you repay only the interest on the amount borrowed each month. At the end of the term, all the capital is still outstanding. Therefore you will usually need to take out some kind of investment policy to save up enough money to repay the mortgage at the end of the term.

Under the repayment method your monthly repayment consists of some interest and some capital, so the amount of money you actually owe will decrease over the period of the loan. This type of mortgage ensures that the loan is repaid at the end of the agreed term, (providing all payments are made on time and in full).

Working with us means that you’ll benefit from informed advice from the outset, backed by years of practical experience, to secure a mortgage that sits well with your personal circumstances, objectives and attitude to risk


Your mortgage can be set up as a fixed rate mortgage, which allows you to repay interest at the agreed fixed rate even when there are fluctuations in the Bank of England Base Rate. That will normally cause the standard interest rate offered by your lender to fluctuate. This predictability gives you peace of mind, but a Fixed Rate isn’t always the best option.

For first-time buyers or homeowners on a tight budget, they do provide a stable, monthly repayment, but the interest charged will be higher than on a variable rate mortgage, and fixed rates are unlikely to be the cheapest offer available. They may also be subject to a ‘booking or arrangement fee’.

If the Bank of England was to reduce its base rate, a fixed rate mortgage won’t change until the end of your agreed term, but anyone with a variable rate mortgage will see their repayments fall in the short term.

It is sometimes possible to set up a mortgage using a combination of both methods. This type of ‘tracker’ mortgage moves in line with the Base Rate (typically) so your repayments fall in line with any decrease, but they can also increase each month if the index rate rises.

In the first instance in the event of any complaints please contact James Irvine on the form above. For more information about our complaints policy please visit.

Your home may be repossessed if you do not keep up repayments on your mortgage.

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.



The information and content contained within this website is subject to the UK regulatory regime and is therefore targeted at
consumers based in the UK.

Financial Planning Union is a trading style of Quilter Financial Planning Solutions Limited which is authorised and regulated by the
Financial Conduct Authority.

James Irvine is not authorised to give financial planning advice but could refer any queries to a suitably qualified financial adviser
within the Quilter Financial Planning network.

Quilter Financial Planning Solutions Limited is registered as a Limited Company in England and Wales No. 3276760. Quilter Financial Planning, Riverside House, The Waterfront, Newcastle upon Tyne, NE15 8NY.

Tax Planning, Commercial & Agricultural Mortgages and Buy to let Mortgages are not regulated by the Financial Conduct Authority