A mortgage is likely to be the single largest financial commitment you ever make. There's a wide range of mortgage products out there, with varying interest rates and repayment options available. 
 
 
 
 
 
 
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. 
Please note: Ian Stuart Mortgages Limited is a credit broker not a lender. 
Some Buy to Let mortgages and Bridging Finance are not regulated by the Financial Conduct Authority. 
You will need to take legal advice before releasing equity from your home as Lifetime Mortgages and Home Reversion plans are not right for everyone. This is a referral service. 

If you would like to find out more about our team or the mortgage and insurance services we offer, please don't hesitate to get in touch. We're here to help! 

 
 
 
 
 
 

Buying a home 

Before you choose a specific deal, you need to decide what type of mortgage is the most appropriate for your needs. 
 
In addition, people buying their first home often have specific needs when it comes to finding a mortgage. A range of First Time Buyer mortgages exists specifically for this market sector. 

Buy to Let Mortgages 

These types of mortgages are designed for property investors and private landlords, who do not intend to live in the purchased property but will let property to tenants. For more information on Buy To Let Mortgages, please click below.  

Remortgages 

Remortgaging means switching your mortgage to another deal, sometimes with another lender, without moving property. 

Later Life Lending / Equity Release 

Equity release can help people release cash (equity) in their homes for a particular purpose, like supplementing retirement income. 
 
A lifetime mortgage is not suitable for everyone, and it is important to seek financial advice before taking any action. All other options available should be explored before choosing equity release. 
 
Interest is charged on both the original loan and the interest that has been added, the amount you owe will increase over time, reducing the equity left in your home potentially to nothing. Please discuss with your family and beneficiaries. This is a referral service. 

Offset Mortgages 

An offset mortgage enables you to use your savings to reduce your mortgage balance and the interest you pay on it. 

Flexible Mortgages 

With options for overpayment and payment ‘holidays’, a flexible mortgage can make the traditional 25-year British mortgage look rather old-fashioned. 
Help to Buy and other government-backed schemes 
The government has put in place a number of schemes to support house purchasers, such as Help to Buy. For more information on Help to Buy, please contact us. 

Bridging Finance 

A bridging loan is taken out to ‘bridge’ the gap between the purchase of a new property and the sale of an existing one. 

Second Charge Loans 

Second charge loans can be secured against residential or Buy to Let properties. 

Self Build Mortgages 

These are mortgages suited to people building a new home. With a self build mortgage, money is released in stages as the build progresses.