We believe one of the most important factors when it comes to getting a mortgage is credit score. When researching our clients mortgage we always check their credit file as it gives us an early idea of how we can help the client. If you haven't already we recommend you get a copy of your credit score here.
When getting our clients a mortgage we believe it is of paramount importance to have life assurance. Life assurance is a contract between the policy holder ( you ) and the insurer. The whole reason behind having life assurance is in the case your death the mortgage lender will not write off what is owed on the mortgage, but rather it will get passed on.
When getting our clients a mortgage we believe it is of paramount importance to have life assurance. Life assurance is a contract between the policy holder ( you ) and the insurer. The whole reason behind having life assurance is in the case your death the mortgage lender will not write off what is owed on the mortgage, but rather it will get passed on.
Services
Meet the Team
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The aim of the business - to bring unbiased, completely independent advice to clients from the whole of the UK mortgage market. Starting out originally as an apprentice in 2012, Will quickly rose to the role of mortgage consultant and ultimately to Senior mortgage & Protection Consultant. Adam has been providing mortgage advice since 2002, having worked with Paul in the past, Adam joined the Original team in 2013.
About Us
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Mortgage Advice: The Original Mortgage Company Ltd are professional mortgage advisers that provide impartial mortgage advice. The Original Mortgage Company Ltd provide mortgage advice in the north and the south of the UK with one purpose, to provide good honest mortgage advice that our clients can trust.
Mortgage types
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Choosing the right sort of mortgage to meet your needs and circumstances can seem a bit overwhelming. There are many different types to choose from, all meeting the needs of different types of borrowers. The good news is that we'll be on hand able help you, explaining what's on offer, what the key features are, and what type of mortgage best meets your individual circumstances.
Repayment
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This is the most popular and most widely-available option, where you make monthly repayments for an agreed period of time until you've paid back both the mortgage and the interest. With a repayment mortgage, or capital repayment mortgage to give it its full name, you pay back part of the mortgage capital and the monthly interest each month.
Interest-only
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Here, each month you only pay the interest outstanding on the mortgage, meaning that the capital sum remains the same throughout the period of the mortgage. You don't pay off any of the capital until the end of the mortgage term. This means that you will need to make other arrangements for paying back the capital sum.
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