Mortgages & me

Bringing both explanation and humour (yes, it is possible) to an often perceived realm of boredom

Mortgages. Let’s not kid ourselves here. If you had the choice of having one or not then there would be no choice. However, the vast majority of us, Russian billionaires excluded, need them to fuel that much loved British tradition – homeownership. So, if we all accept that we need them, you may as well do something positive and get the best one for you. It is staggering how many people make sure they get value for money from every day items but do not manage their home loan properly - the savings far outweigh the difference between the best baked beans and the value ones.

So, this blog will attempt to look at the world of mortgages and the housing market and try to bring both explanation and humour (yes, it is possible), and spark some comment, to an oft perceived realm of boredom. Here goes…


21/06/2012 by Drew

Good lord.  The mortgage market really is the proverbial fiddler's elbow. The days when one rate broadly governed the whole of the market seem as distant as last week's holiday.  These days you need to be aware of a great number...

Categories: Buy to let, Variable mortgages, Fixed rate mortgages, First time buyers, Remortgaging

Be the first to comment


09/11/2010 by Drew

Enquiries for remortgaging spiked in October as many mortgage borrowers looked to see if they are currently in the best place.  With constant stories of doom and gloom and the impact of the Consumer Spending Review starting to...

Categories: Remortgaging, Variable mortgages, Fixed rate mortgages, Mortgages

Be the first to comment


07/12/2007 by Drew

Good news yesterday. The Bank of England finally lowered interest rates much to the pleasure of many mortgage...

Categories: Mortgages, Interest rates, Mortgage Lenders, Tracker mortgages, Variable mortgages

Be the first to comment


Terms & conditions

Your initial mortgage consultation is obligation free. There will be a minimum fee for our mortgage service of £450, of which £150 is payable when you apply, and we will retain the commission from the mortgage lender. Alternatively, you can choose the fee only option which is typically 0.65% of the amount borrowed. The precise amount will depend on your circumstances and mortgage loan amount, and will be discussed and agreed before you make a mortgage application.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT

Legals

John Charcol is a trading style of Towergate Financial (West) Ltd, which is authorised and regulated by the Financial Conduct Authority; our registration number is 147692. John Charcol Associates LLP is an appointed representative of Towergate Financial (West) Ltd, which is authorised and regulated by the Financial Conduct Authority.  Registered office: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN. Registered in England No: 02292688.  This mortgage site is only directed at persons within the UK.   The FCA does not regulate some investment mortgage contracts.  Calls may be recorded for training and monitoring. Max call charge from a BT landline is 3.9p per minute. Calls from other networks may vary.