Mortgage

Mortgage

Our team represents you, the customer, not the banks. Because we are not employees of any finance company or bank. As brokers, we are not limited in one bank product guidelines. Our company has ability and experience to solicit you the best solution as per your need and specific situation.

Fixed Rate Mortgage

A fixed-rate mortgage is a type of home loan where the interest rate remains constant throughout the life of the loan, providing borrowers with predictability and stability in their monthly mortgage payments. This means that regardless of fluctuations in the broader economy or changes in interest rates, the borrower’s interest rate and monthly payment amount remain unchanged.

Variable Interest Rates (Floating Rate) Mortgage

A variable interest rate, also known as a floating rate, mortgage is a type of home loan where the interest rate can fluctuate over time based on changes in a specified benchmark rate, such as the prime rate or the London Interbank Offered Rate (LIBOR). Unlike fixed-rate mortgages, where the interest rate remains constant, variable-rate mortgages offer the potential for lower initial interest rates, which can result in lower monthly mortgage payments during periods of low interest rates.

Remortgage

Remortgaging, also known as refinancing, is the process of switching your existing mortgage to a new lender or renegotiating the terms of your current mortgage with your existing lender. This is typically done to take advantage of better interest rates, access additional funds, or change the terms of the mortgage to better suit your financial situation.

Fixed Rate Mortgage

An offset mortgage is a type of home loan that links your mortgage account to your savings or current account. Instead of earning interest on your savings, the balance of your savings is offset against your outstanding mortgage balance, reducing the amount of interest you pay on your mortgage. Essentially, your savings act as an overpayment towards your mortgage, which can help you pay off your mortgage faster and potentially save on interest costs over the long term.

Investment Mortgage

An investment mortgage, also known as a buy-to-let mortgage, is a loan specifically tailored for individuals or investors looking to purchase property with the intention of renting it out to generate rental income or capital appreciation. Unlike a traditional residential mortgage, where the property is intended for personal occupancy, an investment mortgage is used to finance properties that will be rented to tenants.