Welcome to Greenlight Mortgages
SERVICES
THINK CAREFULLY BEFORE SECURING DEBTS AGAINST YOUR HOME. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE BUY TO LET MORTGAGES.
ADVICE ON SECOND CHARGE MORTGAGES WILL BE OFFERED ON A REFERRAL BASIS ONLY
Your mortgage is probably the largest financial transaction and commitment you are likely to undertake. Surely then you should seek mortgage advice which is individually tailored to your needs and requirements?
We are not tied to any particular lender, which means that we have the ability to act on your behalf in order to establish the most appropriate mortgage solution for you.
Please find below a brief introduction to the repayment methods, types of mortgages and interest rate options that we provide advice on. We would be happy to discuss your requirements so please do contact us for an informal discussion to see how we might be able to help you.
Equity Release / Lifetime
For older borrowers (55+) looking to use the equity in their property to increase income or to provide a lump sum for larger purchases or gifts to family. When you are coming to the end of the term of your current mortgage, an equity release / lifetime loan provides the ability to stay in your home and continue with your borrowing. These loans can have interest rolled-up or serviced monthly. These loans have lots of available options and need to be carefully considered.
Second Charge Mortgages
A separate and additional mortgage to the homeowner’s main (or first) mortgage. Second charge mortgages (sometimes known as ‘Homeowner Loans’) are loans which are secured against the borrower’s residential property, and as such, are available only to homeowners. In common with remortgages, second charge mortgages are sometimes used by homeowners to raise money.
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Self Build Mortgages
For those who want to build their own home, a conventional residential mortgage is not an option. Instead, the self-builder would need to apply for a self-build mortgage. Not every lender is active in the self build mortgage market and those that are, tend to charge a higher rate of interest for self build mortgages.
INTEREST RATE OPTIONS
Fixed Rate Mortgages
The interest on the loan will neither rise nor fall for a pre-determined period of time. Although the monthly repayments will stay fixed, if interest rates fall, the borrower could potentially end up paying more than he or she would on another type of mortgage.
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GET IN TOUCH WITH US
07890 990543 / 01442 831677
OR FILL OUT OUR FORM
GENERAL ENQUIRY
Company address: Greenlight Mortgages, 35 Chesham Road, Bovingdon, Hemel Hempstead, HP3 0EE
T: 07890 990543 / 01442 831677 E: [email protected]
Your home may be repossessed if you do not keep up repayments on your mortgage.
Buy to Let mortgages are not regulated by the Financial Conduct Authority and your property may be repossessed if you do not keep up repayments on your mortgage.
Greenlight Mortgages is a Trading Style of Oliver Warmington, who is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which are authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register under firm reference number 844634.
The guidance and/or advice contained within this website is subject to the UK Regulatory Regime and is therefore targeted at consumers in the UK.
