Mortgages

Unless you are rolling in money, you won’t be able to pay cash to buy your first home. Like most people, you will need to borrow the money by taking out a mortgage loan.

We can't make a house any easier to afford, but we can promise to make the whole process seem far less complicated.

What is a Mortgage ?

A mortgage is different from other types of loan because it is larger, normally borrowed for a longer period (the mortgage term), typically 25 years, and it is secured on your property. This means that, if you don’t keep up the monthly mortgage payments, the mortgage lender could take back or repossess your home and sell it to try to recover the money you owe them.

This step is only taken by lenders as a very last resort, but the possibility that you could lose the roof over your head if you ever stopped being able to afford your monthly payments makes taking out a mortgage a very serious commitment.