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  • Joint application/Sole proprietor
  • Guarantor Mortgages
  • Interest Only Mortgages

If this is the first time you are considering buying a property, there are many decisions to be made regarding your mortgage.

Most basic of all is ‘How much can I borrow?’ Lenders usually take into account your income and your outgoings. You will be asked about any future plans that could impact your income.


Then there’s the question of ‘Do I want an interest only or a repayments mortgage?’ With an interest only mortgage you are only repaying the interest of the loan. At the end of the mortgage term you will still owe the full amount that you borrowed. With a repayments mortgage, you pay off monthly a small part of the original advance so that at the end of the mortgage term you have no more to pay!

One also needs to consider ‘Should I have a fixed or variable rate mortgage?’. A fixed rate is a very attractive option for someone worried about how they would cope with rising payments. A variable rate mortgage can offer the prospect of cheaper repayments, but you will end up paying more if rates rise.

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    Thank you Samuel for enabling us to remortgage our property. Now that mortgages are more difficult to qualify for than ever, a trustworthy broker at your side makes all the difference.

    Mark & Sue M

    We had been paying high insurance premiums on our property portfolio. We met T&T Finance and they brought our insurance premiums right down. Fantastic service


    I was amazed and delighted by the speed with which the whole transaction was completed – and of course with the reduction in our insurance premium.