Mortgages
Whether you are a first time buyer, moving home, looking to remortgage or are considering buying a property to let out, Cox Financial can help you find a mortgage that is right for you and the interest rate option most likely to suit your needs.
With so many mortgages available and as more and more lenders now only deal with consumers over the phone, having an experienced mortgage advisor on hand to guide you through the mortgage process could help you achieve better long-term value for money, save you time and minimise uncertainty.
Clients of Cox Financial can also benefit from our access to mortgage deals and competitive market offers that are exclusive to mortgage brokers.
For more information or to explore your mortgage planning options with Cox Financial, please contact us on 01772 613478 or email admin@cox-financal.co.uk and we will be happy to assist you.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
Before you choose a specific deal, you need to decide what type of mortgage is the most appropriate for your needs.
People buying their first home often have specific needs when it comes to finding a mortgage. A range of mortages exists specifically for this market sector.
Remortgaging means switching your mortgage to another deal with another lender. Most people remortgage because their existing deal has ended.
These types of mortgages are designed for property investors and private landlords, who do not intend to live in the purchased property.
Second Charge Loans
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Second charge loans can be secured against residential or Buy to Let properties. They are provided by specialist lenders and are generally short-term loans secured against the property, but where the lender has second call on the property if the borrower defaults.
Second charges tend to be more expensive than ‘firsts’, but can still be the best option for people seeking to raise capital – but whose main lender is unwilling to provide further finance, or where expensive early redemption charges would be incurred.
This article (Second Charge Loans) is intended to provide a general appreciation of the topic and it is not advice.
For more information please contact Cox Financial on 01772 613478 or email admin@cox-financial.co.uk and we will be happy to assist you.
Article expiry: 06 Apr 2026
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