Whole of Market Mortgage Advice...

Mortgage repayment methods
Mortgage products and schemes
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Sealing fee

A fee paid to your "old" lender upon closure of your mortgage account.


These are checks carried out during the Conveyancing process to determine any planning proposals or other matters which might affect the purchase or future saleability of the property.

Self certification

This is a special arrangement whereby the lender relies on the borrower to certify their own income and is primarily designed for the self-employed.

Standard variable rate

The interest rate applied to the mortgage account when no other overriding scheme such as a fixed rate is in force. It fluctuates and follows the Bank of England base rate.

Structural survey

This is based on a detailed inspection of the property and reports on the general structural condition. It is typically for older or unusual properties. Any issues or concerns from the report can be discussed directly with the surveyor.

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