we are committed to finding you the right mortgage
Our Mortgage Consultants are here to help you every step of the way through the mortgage maze, beginning with the application forms through to finding the right mortgage for you, one that will suit your needs and financial requirements - we'll help you do it all.
With our professional advice and access to a panel of selected lenders - we're sure we can help you, whether you are a first-time buyer, a seasoned property mogul, wanting to move up the property ladder or even just remortgaging.
more help for you... we have a selection of free guides to help you with your mortgage requirements and how we can help you. Simply download the relevant guide below:
All figures are for illustrative purposes only and are based on a repayment mortgage only basis.
Figures provided will be dependent on your financial situation, property value and the size of your deposit or equity.
Please complete our Contact Us form below to obtain further detail on the products listed above.
The period of an introductory or discount interest rate on a mortgage. The initial rate period varies by loan type and can be as short as one month or as long as several years.
Fixed. A fixed mortgage is where the interest rate is fixed and will not change for a specific period, usually between 2 and 5 years. During this period the interest rate is usually discounted from the lenders standard rate. This is known as the discount period.
Tracker. The rate of a tracker mortgage is linked to a fixed economic indicator – usually the Bank of England base rate. This doesn't mean it's the same as the base rate, just that the rate moves in line with it. This means the rate can go up, or down. The tracker rate can be discounted and under this circumstance the discount will apply for a specific period, usually between 2 and 5 years.
Standard Variable Rate (SVR). This is the lenders standard rate. This will always be higher than the discount rates for some Fixed and Tracker products as the rate is usually linked to the Bank of England's base rate movements and is typically 2 to 5 percentage points above this base rate. The SVR is the rate that most borrowers end up on after the end of an incentive period such as a two-year fix or two-year discounted rate.
The period of time in months to which the discount rate would apply. SVR products and some Fixed and Trackers do not have a discount period and as such the initial rate period would be 0.
The maximum Loan to Value (LTV) is the maximum a lender will lend you against the value of your property. This is calculated by dividing the loan amount by the house value. For example, if the maximum LTV is 80% and the property value is £100,000 then the maximum loan permitted would be £80,000.
The initial monthly payment, this may be the discounted rate and will only apply for the initial rate period.
Whether the lender charges a fee to arrange the mortgage
This is the Annual Percentage Rate of Charge (APRRC). A lender is always required to quote the APRC when advertising a loan or borrowing rate. It is a standard interest rate calculation designed to reflect the total amount of interest that will be paid over the entire period of the loan.
reasons to choose our mortgage services...
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protecting your property
We offer advice on insurance products designed to ensure that even if you are too ill to work or in the event of your death, you still have the funds to keep your home for your family. We can also arrange buildings and contents insurance for you, to protect your home and your belongings.
On request, we can refer you to a specialist Consultant to provide you with advice on additional products that can be designed to provide a lump sum or income for you and your family. These products are designed to help you and your family to maintain your current lifestyle in the event of ill-health or death before your selected retirement age.
Our specialist advisers can tailor a solution to meet your individual circumstances.
Our products and suppliers are - Ageas Insurance Limited for Buildings and Contents Insurance and Aviva for Term Assurance, Critical Illness Cover and Income Protection.
you'll gain access to myaccount
Keeping an eye on where you are with your mortgage and insurance transaction has never been easier with myaccount. With myaccount you'll gain access to key tools, guides and monitor your milestone markers to see how your transaction is progressing and much more!
what our mortgage customers say...
We love hearing what our customers have to say about our service, we use an independent review company Feefo to find out what our customers think - take a look for yourself...
Excellent advice throughout.
Thorough explanation by Megan Davies our advisor
Excellent, first time buyers and everything can seem daunting but Georgina lays it out in a clear, effective and understandable way. Highly recommended
Megan Davies (Church Road Bebington branch) was, as always, so thorough and professional. Her groundwork in sourcing the most cost efficient product to suit our circumstances was excellent. She always explains the stages of the re-mortgage in a friendly manner. Her warm personality put us at ease and she answered our questions in a style which we easily understand. We will have no hesitation in recommending her to our friends and family. A credit to Jones & Chapman!
Georgina is so helpful and friendly. You really feel like you are getting genuine advice from a friend.
Adam has been really helpful and found us a much better deal and insurance!
Georgina was very helpful and I would recommend her.She always responded when any advice was required and was very friendly
Brilliant service from 'Megan'. Very professional, answered all my queries efficiently and promptly. Nothing too much trouble for her.
Have used this service before and will use again because of the reliable service from Megan.
Nick in Greasby provided an amazing customer experience and secured a mortgage offer very quickly and with little to no stress. I found him to be really approachable, supportive, honest and made me feel really valued as a customer. No hard selling, just great service in my experience.
Nick provided excellent advice on my mortgage options and researched on each option and took the time to go through them with me to ensure it met my needs and requirements. He kept me informed throughout the process.
I couldn't recommend Nick highly enough. He certainly puts his customers at the heart of what he does. Great to deal with too.
Excellent, Approachable. Professional in every way. Advised well and listened to you. Ever ready to help you. Megan Davies is very helpful. Always do the extra mile for me. Very satisfactory excellent with her advice.
Georgina was fantastic, really helpful and answered all of our questions and always called us back. Couldn't ask for more, really wonderful service! :)
Fantastic services, covered all information and more for a new time buyer. Went through everything in detail and made sure it all made sense allowing me to ask questions along the way. I'd highly recommend Ben at the Bebington branch to anyone!
Very helpful, we’re very satisfied with all the explanations. Ms. Georgina Dale is amazing.
Amazing, friendly clear advice with better options offered than present mortgage lenders. Professional and thorough.
Nick was so helpful and really made sure I got the best deal on my mortgage, he went above and beyond his role. Couldn’t recommend enough
find out how we can help you with your mortgage requirements by using the contact form.
talk to someone
call our Mortgage Services team on01525 213 721
YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. YOU MAY HAVE TO PAY AN EARLY REPAYMENT CHARGE TO YOUR EXISTING LENDER IF YOU RE-MORTGAGE.
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