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Mortgage & Re-mortgage

Whether you require lending for the purpose of purchasing a new home, are looking for a new product or rate, or wish to re-mortgaging against your current property to raise funds, we can advise on the following: 

Adverse Credit: When it comes to buying a home, some lenders can take on a rather negative attitude. They want to deal only with those with faultless credit histories, perfect work records or large deposits. We can assist as we work with a number of lenders that are willing to provide adverse credit mortgages

Buy to Let/Let to Buy - Commercial or Consumer: In recent years lending rules and criteria has tightened for these types of mortgages making them complicated mortgages to apply for. The Financial Conduct Authority does not regulate Commercial Buy to Lets.

First Time Buyers:  Buying a home is one of the most important purchases that you will ever make and buying for the first time can be a daunting prospect. There is a vast array of mortgage products and lenders available. We can help you in making the right decision

Purchases / Moving Home:  It might be some time since you moved house. Is your current mortgage lender offering you the most suitable deal? What are all the costs and fees involved? What steps do you take first? The answer to these questions is somewhat easier if you contact us.

Remortgages:  There are various reasons for customers to require Remortgages,  such as to raise funds for  home improvements, a car, a wedding, consolidate existing debt or raise a deposit for an investment property.  Alternatively you may want to obtain a new rate or product.

Rate Switch with existing lender:  In addition to sourcing new products and deals with alternative lenders, we will also look to source and compare new rates that your current lender may be able to offer you as an existing customer to ensure our advice is covering the complete suite of mortgage options 

Contact us today!



Mortgage Repayment Options 

There are 2 Mortgage Repayment options:

Capital and Interest Repayment:  The monthly payment calculated would pay back both the interest due on the loan and part of the capital of the loan, ensuring that at the end of the agreed term your mortgage is redeemed in full.

Interest Only:  Each monthly payment would contribute to the interest due on the loan only. At the end of the mortgage term the original loan amount would remain and be required to be repaid in full. Lenders would expect a suitable repayment vehicle to run in conjunction with the mortgage to ensure that the loan can be repaid in full at the end of the term.


Mortgage Products

The type of mortgage recommended will depend on both your individual circumstances and the specific requirements of the lender.  The mortgage product options currently available are Fixed, Capped, Tracker, Discounted, Variable, Offset, and LIBOR linked.

Arrange a free & no obligation consultation with an experienced, qualified and independent Mortgage and Insurance professional, Contact us today!.


The Mortgage Files is an appointed representative of Julian Harris Mortgages Limited, Julian Harris House, Musgrove, Ashford, Kent, TN23 7UN, which is authorised and regulated by the Financial Conduct Authority. Julian Harris Mortgages Limited FCA Register number is 304155.

Think Carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients.  Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk