+44(0)1322 522523

info@lawtonfs.co.uk

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Mortgages

Choosing a mortgage is probably the biggest financial decision you will make. However with thousands of mortgages to choose from it can seem like an impossible maze to find your way through. How can you be sure that you have picked the right one?

Lawton Financial Services can find a mortgage product to suit your own individual needs. Whether you are a first time buyer, purchasing a bigger house, divorcing or wish to remortgage, we will endeavour to recommend a product to suit your needs. A mortgage is potentially the largest financial commitment of your life and, therefore, every enquiry is treated with the respect that it deserves.

Repayment Methods

There are basically two major types of mortgage repayment methods available in today's market:

1. Repayment - A Repayment Mortgage is structured so that the monthly mortgage payments, comprising partly of capital and partly of interest, pay off the original amount borrowed as well as the interest that would be accrued over the mortgage term, by the end of the term.

2. Interest only - So called due to the fact that you only pay interest to the lender each month. The original loan amount remains the same for the term of the loan. Therefore a suitable investment is required to run in conjunction with the mortgage in order to repay the loan balance at the end of the term. The most common investments used for this purpose include Pension.

Please contact us if you are looking for the following:

  • Remortgages
  • First Time Buyers
  • Buy to Let
  • Home Mover

We can help with the following Mortgage types: - Capped Mortgages, Discounted Mortgages, Fixed Rate Mortgages, Flexible Mortgages, Offset Mortgages, Current Account Mortgages, Standard Variable, Tracker Mortgages

Most Buy to Let mortgages are not regulated by the Financial Conduct Authority.

Contact us


Bexley Office

Unit 4a/5a Kent House, Old Bexley Business Park, 19 Bourne Road, Bexley, Kent DA5 1LR

Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.

 

  © 2018 Lawton Financial Services

Lawton Financial Services Ltd | Registered Address: 12 Old Bexley Lane, Bexley, Kent DA5 2BN | Place of Registration: England and Wales | Registered in England No. 07835127

Lawton Financial Services Ltd are an appointed representative of Intrinsic Financial Planning Limited and Intrinsic Mortgage Planning Limited, which is authorised and regulated by the Financial Conduct Authority. Intrinsic Financial Planning Limited and Intrinsic Mortgage Planning Limited are entered on the FCA register under reference 440703 and 440718.