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mortgages

mortgages for first time buyers for moving home for investors for remortgaging

With hundreds of different mortgages to choose from, it can be difficult to know which one to choose.

speak to Gem mortgages for a consultation to help identify the right product for your unique circumstances.

first time buyer

Getting on the property ladder can be exciting but very daunting, Gem Mortgages will be the friendly face helping you through each step of the process. There are many different types to choose from, all meeting the needs of different types of borrowers, but we will be able to help you by explaining what’s on offer, what the key features are, and what type of mortgage best meets your individual circumstances.

first time buyer help moving and buying your first home first mortgage

Moving Home

Let us help try and take some of the stress out of moving by, we'll talk you through your mortgage options, what the key features are, and what type of mortgage best meets your individual circumstances. see below for just some of the different types of mortgages available.

A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other loan secured on it

moving home with ease and finding the best rate
moving home with ease and finding the best rate

Moving Home

Let us help try and take some of the stress out of moving, we'll talk you through your mortgage options, what the key features are, and what type of mortgage best meets your individual circumstances. Go to the bottom of this page to see just some of the different types of mortgages available.

A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other loan secured on it

Check-out our free mortgage guide to take you though the basics

free Mortgage guide

Re-mortgage

If your current mortgage deal is coming to an end, this could be a very good time to think about switching to get a better, more cost-effective mortgage deal, and at the same time increase the amount you’re borrowing. In some cases, homeowners can save hundreds of pounds a year by moving their mortgage to a more attractive rate, with a different lender. Remortgaging can also work if your property has increased in value, and you want to free up some cash from the equity tied up in your home, or if you want to make higher repayments to shorten your mortgage term.

You may have to pay an early repayment charge to your existing lender if you remortgage.

remortgage calculator to find the best rates

Buy To Let

Rising property values and a booming lettings market in Trowbridge and Wiltshire has meant that many lenders have developed mortgage deals tailored to the needs of would-be landlords. For investors seeking rental yield or capital growth, property has proved a good investment at a time when returns on other types of asset have been comparatively low.

The Financial Conduct Authority does not regulate most forms of Buy to Let Mortgage.​

buy to let mortgage for property investment
buy to let mortgage for property investment

Buy To Let

Rising property values and a booming lettings market in Trowbridge and Wiltshire, has meant that many lenders have developed mortgage deals tailored to the needs of would-be landlords. For investors seeking rental yield or capital growth, property has proved a good investment at a time when returns on other types of asset have been comparatively low.

The Financial Conduct Authority does not regulate most forms of Buy to Let Mortgage.

Mortgages features explained

The best mortgage isn’t just about finding the lowest interest rate, its about finding the product that suits your needs and can depend on your budget or if you’re likely to want to clear the balance early, or move again in the next 5 years etc. Hover over each section to see an explanation, but easier still, give us a call and let us help you decide.

Fixed rate mortgage

The interest you pay remains the same for a set period of time, so your mortgage repayments will remain the same, even if rates rise.

Standard variable rate mortgage

The interest rate used here is the lender’s default rate, their standard variable rate (SVR). This can change at any time, meaning that your monthly repayments could go up and down.

Variable rate mortgage

As the name suggests, the rate applied can change at any time, meaning that your monthly repayments could do so too.

Tracker mortgage

A type of variable rate mortgage. Here the interest rate usually tracks the Bank of England base rate at a set margin above or below it, for the period of the deal.

Discount mortgage

A type of variable rate mortgage where the interest rate is set at a discount below the lender’s SVR, for a fixed period of time.

Capped-rate mortgage

The rate you will be charged moves in line with the lender’s SVR, but the cap means that the rate won’t move above a certain level.

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What are our Fees and Charges?

 

Insurance

We will not charge you a fee for our services relating to insurance, but we will receive commission from the product provider. The commission will be calculated as a proportion of the premiums paid for the insurance product. You will receive a quotation which will tell you about the fees and charges relating to any insurance policy that we recommend.

 

Mortgages

No fee will be charged for our advice services. We will be paid a procuration fee from the lender.

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