Choosing the right mortgage is not an easy task for anyone. Most people would not even be aware of all the products available. What often appears a good deal could be (and often is) the worst.

 

Lloyd Vine are truly independent. We can access all the available lenders through the various distribution channels, many unknown to the public at large. These include, direct electronic links to the lenders, mortgage packaging companies and insurance companies.

 

We calculate whether a given mortgage rate combined with the lenders product fee truly leaves you with a net gain against other mortgages. We ensure you are not trapped in a mortgage with a huge redemption penalty if it does not fit with your plans. We can show you products with free valuations and free legal conveyancing.

 

We have advanced mortgage sourcing software supplied by Mortgage Brain to professional advisers. You receive caring explanation and we ensure you are treated fairly and are provided with full key feature illustrations showing all the terms and conditions applicable to your chosen mortgage before you commit to anything.

 

Modern mortgages provide many advantages for financial planning. They offer flexible loans and flexibility to adjust the level of repayment. They allow interest only payment. They can provide linked banking accounts and offsetting.