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James Young & Associates Ltd.
James Young & Associates Ltd.
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Mortgages

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Which Mortgage is right for me?

Choosing the right mortgage can be confusing and the jargon that comes with it can be somewhat puzzling. With a variety of different options available on the market it can be hard to find a deal that exactly matches your circumstances and budget.  


Get in touch so we can help you move forward with your Mortgage

Below are some of the most common mortgage scenarios

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First Time Buyer

First Time Buyer

First Time Buyer

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 Defined as someone buying a house or flat who has not previously owned a property

Purchase

First Time Buyer

First Time Buyer

couple moving in with dog

Selling your current home to move up the property ladder or to downsize

Remortgage

First Time Buyer

Remortgage

couple painting their new house

 Remortgage for a more competitive rate or to release some equity from your home for a variety of reasons like home improvements

Buy to Let

BTL Remortgage

Remortgage

Laptop on table with phone and note pad

 Buying a property to rent as an investment, rather than as a place to live

BTL Remortgage

BTL Remortgage

BTL Remortgage

Money tree

 To release some equity or to get a more competitive rate on your buy to let 

Let to Buy

BTL Remortgage

BTL Remortgage

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Change your existing mortgage to a buy-to-let, and then take out a standard mortgage on the home you're buying 

What makes us different?

Unlike many brokers, we have established relationships with key lenders, including those that do not have a high street presence. We also have access to products that may not be available direct with the lenders. Once the mortgage application has been submitted to the lender, our team manage the process through to offer and liaise with your solicitor, so as to minimise any delays in your purchase or remortgage.


See below the different types of mortgages that we can arrange for you.     

Mortgages

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Interest Only Mortgage

Interest Only Mortgage

Interest Only Mortgage

 A type of mortgage in which the borrower repays only the interest on the loan for the duration of its term, and repays the full loan amount at the end of the mortgage period. 

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Capital Repayment

Interest Only Mortgage

Interest Only Mortgage

 A mortgage in which monthly charges are used to repay the interest and to reduce the outstanding capital. At the end of the mortgage term you will own the propoerty outright. 

man and women in their home

Part & Part

Interest Only Mortgage

Part & Part

 A part and part mortgage is a combination of the two. Part of your mortgage is on capital repayment and will be paid off at the end of your mortgage term, but you'll need a plan in place to repay the interest only part at the end of your term.  

Interest Rate Options

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Fixed Rate

Discounted Rate

Tracker Rate

 A mortgage under which the rate of interest has been fixed for a specified period of time. This will usually be between 2 and 10 years, with the advantage being the certainty that it provides to the borrower. 

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Tracker Rate

Discounted Rate

Tracker Rate

 A type of mortgage whereby the rate of interest charged tracks another  specified interest rate, for example the Bank of England Base Rate. 

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Discounted Rate

Discounted Rate

Discounted Rate

 With a discount mortgage you initially pay a rate of interest that is a set amount below the lender's standard variable rate (SVR), for a specified period of time, after which you revert to the SVR. 

Why choose James Young & Associates

Family business

Family business

Family business

 We share the same values and truly care about our reputation. 



about us

Expert advice

Family business

Family business

 We have over 50 years combined experience in the  financial services industry 


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5* Service

Family business

5* Service

 We are proud of our 5* reviews and work solely from client recommendations 


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Our Partners

The mortgage works
leeds building society
accord mortgages
tsb
skipton mortgages
godiva mortgages
nationwide mortgages
fleet mortgages
kent reliance mortgages
ipswich building society


All Rights Reserved.


James Young & Associates is authorised and regulated by the Financial Conduct Authority (715673)

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


Making a Complaint: It is our intention to provide you with a high level of customer service at all times.  If there is an occasion when we do not meet these standards and you wish to register a complaint, please write to: Compliance Department; James Young & Associates Ltd, 28 Whitethorn Gardens, Hornchurch, Essex, RM11 2AL. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service  www.financial-ombudsman.org.uk 


*Loans secured from 02/13 - 09/21


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