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 January 2022.
Key guides to help you:
MORE REASONS TO USE Paul Dubberley MORTGAGE SERVICES
RANGE OF MORTGAGE PRODUCTS
OUR MORTGAGE BUSINESS UNIT
BECOME A LIFETIME MEMBER
PROTECTING YOU, YOUR FAMILY AND YOUR PROPERTY
GAIN ACCESS TO MY ACCOUNT
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.
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.
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.
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.
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.