HomeMortgage services
MORTGAGE SERVICES
Paul Dubberley are fully focused on meeting the mortgage and protection needs of our customers.


We take the responsibility of finding you the right mortgage seriously

Our Mortgage Consultants are here to help you.

When you choose Paul Dubberley Mortgage Services you can rest assured we are focused on you and meeting your needs. Our Mortgage Consultants within our estate agency branches are ready to help you. 

Whether you are a first-time buyer, remortgaging, moving home or even a landlord, our mortgage advice and recommendation services are here to help you. We also offer advice and recommendation on protection products such as Buildings and Contents Insurance as well as Life Assurance products. Our Consultants will provide advice and information about all the costs and charges involved when buying a new home, funding your property portfolio or remortgaging.

You can use Paul Dubberley Mortgage Services no matter which estate agent you are buying or selling with as we simply want to help you get the right mortgage for your needs. You are not tied to our estate agency services in using our Mortgage Services. 

Our long-standing relationships with our panel of selected lenders mean we gain access to thousands of mortgage products which may include exclusive products that you would not be able to obtain by going direct to the lender yourself.

Our panel of lenders are correct as of September 2021.
 

Key guides to help you:

GUIDE TO FINDING A MORTGAGE

GUIDE TO FINDING THE RIGHT BUY TO LET MORTGAGE


GUIDE TO BUYING YOUR FIRST PROPERTY

NEED A MORTGAGE APPOINTMENT?

GET IN TOUCH TO REQUEST YOUR MORTGAGE APPOINTMENT TODAY

01525 858 813

MORE REASONS TO USE Paul Dubberley MORTGAGE SERVICES

RANGE OF MORTGAGE PRODUCTS

Paul Dubberley have access to thousands of mortgage products through our panel of selected lenders, some of which are exclusive to us and therefore are not available anywhere else. Our Mortgage Consultants can even offer you help and advice on the various Government schemes and housing initiatives available (subject to status and lender criteria).

OUR MORTGAGE BUSINESS UNIT

Our 'Mortgage Business Unit' will support the progress of your mortgage application. We will provide you with one point of contact who will coordinate with your solicitor, lender and insurance companies as well as keep you up-to-date on the progress of your application. Our support teams within our Mortgage Business Unit are here to make the mortgage and application process as stress-free as possible.

BECOME A LIFETIME MEMBER

You can join our lifetime membership scheme and never have to pay another broker fee to us again for mortgage advice, no matter how many times you move or remortgage your existing home. An administration fee may still apply.

PROTECTING YOU, YOUR FAMILY AND YOUR PROPERTY

We offer protection products designed to ensure that even if you are too ill to work you still have the funds to stay in your home. We can also arrange Buildings and Contents insurance to protect your home and your belongings. We work with the following providers Ageas Insurance Limited for Buildings and Contents Insurance and Aviva for Term Assurance, Critical Illness Cover and Income Protection.

GAIN ACCESS TO MY ACCOUNT

Our mortgage and protection customers can track the progress of their transactions through our My Account customer portal. You will gain access to key tools, guides and be able to see how your mortgage and protection transactions are progressing. Another reason to use Paul Dubberley Mortgage Services.

FIND A MORTGAGE



This is not a formal quotation or commitment to lend.
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 to obtain further detail on the products listed above.



Initial Rate

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.


Type Of Mortgage

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.


Initial Rate Period

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.


Maximum LTV

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.


Initial Monthly Cost

The initial monthly payment, this may be the discounted rate and will only apply for the initial rate period.


Product Fees

Whether the lender charges a fee to arrange the mortgage.


Overall Cost For Comparison

This is the Annual Percentage Rate of Charge (APRC). 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.


PLEASE BE AWARE, WHEN USING THE MORTGAGE CALCULATOR, THESE RESULTS ARE FOR ILLUSTRATIVE PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS A MORTGAGE QUOTE

MORTGAGES ARE SUBJECT TO STATUS, VALUATION AND LENDER CRITERIA.

A BROKER FEE MAY BE PAYABLE UPON MORTGAGE APPLICATION AS WELL AS AN ADMINISTRATION FEE. THE TOTAL FEE PAYABLE WILL DEPEND ON YOUR CIRCUMSTANCES. YOUR MORTGAGE CONSULTANT WILL EXPLAIN ANY FEES APPLICABLE IN YOUR INITIAL APPOINTMENT.

 

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.

 
 

If we have previously arranged a Mortgage Payment Protection product from Allianz for you and you would like Claims ratio data, this is available upon request in writing to Customer Relations, Paul Dubberley, Cumbria House, 16-20 Hockliffe Street, Leighton Buzzard, Bedfordshire, LU7 1GN or by email to CustomerRelations@connells.co.uk. Alternatively, you may request this data by contacting us on 01525 244 504.