Mortgages

Westexe Mortgages are expert whole of market advisers who offer specialist, flexible advice on mortgages in Exeter, Plymouth, and across Devon and the South West. Contact us 24/7 to get free, no-obligation mortgage advice from independent mortgage brokers.

Expert advice from independent mortgage brokers

What is a mortgage?

Many people use a mortgage to help them to purchase a property. This in essence is a loan from a building society, a bank, or other lender secured as a legal charge on a property.

The person/s taking out the mortgage are liable for it, and if it is a joint mortgage, all of the applicants are jointly and severally liable for the full amount.

Property can be owned either singly, jointly, or as tenants in common.

Lenders will take various precautions to ensure that the property is suitable security for the loan, appointing a Chartered Surveyor to assess its suitability as security for the loan and a Solicitor to ensure the correct legal process is followed.

Types of mortgages

Mortgage products come in many shapes and sizes:

  • fixed rates
  • tracker rates
  • discounted rates
  • capped rates
  • flexible rates
  • offset mortgages
  • standard variable rate mortgages

See the latest rates available through Westexe Mortgages.

We even now have the new Government backed “Help to Buy” scheme available. This can be used to purchase a new residential property with a personal deposit of as little as 5%. The Government will then fund up to a further 20% deposit that is repayable upon the future sale of the property. Please look at our Glossary for a full description of these products.

A mortgage dependent upon age can be taken out over various periods of time and can be set up as a Repayment mortgage, on an Interest Only basis, or part & part. Terms may vary dependent on the lender.

Contact us at any time 24 hours a day seven days a week, when one of our advisers would be more than happy to give you FREE  unbiased advice and guidance without any obligation. We are totally independent whole of market advisers, the answer is YES, and we look forward to helping you as much as possible.

Remortgaging

Use your strong position as a home owner to release the equity in your property by remortgaging. As independent mortgage brokers, Westexe Mortgage Solutions can ensure that we provide you with the right advice and the right product. Click to learn more about remortgaging with Westexe Mortgages.

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