Channel One understands the mortgage market and constantly keeps abreast of the latest legislative, interest-rate and product changes. We can search the entire market to find the right mortgage for your circumstances. Whether that means fixing the repayment interest rate for a number of years to give you certainty and financial stability, or choosing a discounted rate product that gives you the chance to reduce your payments if interest rates fall.

Here are some of the mortgage products we may recommend:

Fixed rate mortgage

you pay an agreed attractive rate of interest for a set period of time, after which the rate reverts to the lender’s variable rate, unless you switch to another product.

Discounted variable rate mortgage

you pay a rate that is discounted by a set percentage below the standard variable rate for an agreed period. After this period the rate reverts to the lender’s variable rate, unless you switch to another product.

Offset mortgage

if you’re lucky enough to have money on deposit or in savings, you can choose to offset this against the mortgage amount you require. For example, by offsetting £20,000 of savings against a £200,000 mortgage, you would only have to pay interest on £180,000.

Mortgage protection insurance

When you’re making large mortgage payments every month, it’s important to protect your payments in the event that you are unable to meet them. We can advise you on the most appropriate protection products for your mortgage, which may include:

Decreasing temporary assurance cover

this is a type of term life assurance where the amount of life cover decreases over the term of the policy. It means that in the event of your death, your mortgage payments will be covered and your family won’t be left to repay the loan.

Mortgage payment protection plan

this will cover your mortgage payments for up to a year if you lose your income due to accident, illness or unemployment.

Switch on to Channel One

If you’d like to find out more about our mortgage advice services, please contact us and speak to one of our advisers. We‘ll be delighted to help.

Switch on to Channel One: 0845 6048 363

or fill in the contact form and we'll get right back to you

NOTES:

  • Your home may be repossessed if you do not keep up repayments on your mortgage.
  • Some buy-to-let mortgages are not regulated by the FSA (Financial Services Authority).
  • The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK;

Because we are independent, we can tailor the way we are remunerated to suit your circumstances and reflect the anticipated time required to meet your needs. The following are examples of how we can we can work for you incorporating a suitable fee/commission structure:

Example1

No fee but we will be paid by you. We will receive commission only.

Example2

A fee of £250.00 payable by you at the outset and we will also be paid
commission.

Example3

A fee of £100.00 payable by you at the outset and £395 payable when you
apply for a mortgage. We will then pass on any commission paid by the lender
to you.

We will refund the £395 to you if your application falls through;