Amicable Mortgage Services Limited
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Advice for your home loan

A professional broker can help you choose the best mortgage rate or second secure loan to suit your needs including the self employed, Buy to Let, 100% lending and poor credit history. A re mortgage can potentially reduce your costs and save you money. We help you choose the best deal to suit your individual criteria from the UK lenders market available to us for your property loan. If your existing lender is unable to provide you with the rate you are looking for, then we will source banks and building societies available to us to find a better product for you.

Mortgage advisor information based in Southampton Hampshire England
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Your home may be repossessed if you do not keep up repayments on your mortgage.
Think carefully before securing other debts against your home.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Changes in the exchange rate may increase the sterling equivalent of your debt. They will vary depending on the mortgage you choose. The actual rate available will depend on your circumstances. Ask for a personalised illustration. Some aspects of buy to let and secured or unsecured lending below £25,000 is not regulated by the Financial services Authority (FSA). A Broker fee is payable only if the mortgage completes, typically £595 which is the minimum up to 2% maximum of the mortgage advance which ever is the greater depending on each individual case.

THE OVERALL COST FOR COMPARISON IS :-

For Standard Variable Rate Mortgages-6.50 APR	For Discounted Rate Mortgages–6.35APR
For 2 year Fixed Rate Mortgage–6.35% APR	For 5 year Fixed Rate Mortgages–6.35% APR
For Adverse Credit Mortgages–8.35 APR	For Right to Buy Mortgages-6.35%APR
For Self Cert Mortgages–6.35%APR	For Shared Ownership Mortgages–6.35%APR
For Flexible Mortgages-5.75%APR	For Cash Back Mortgages-6.35%APR

For Fixed, Discounted, Capped, Collared, Self Cert, Right to Buy, Shared Ownership, Flexible, Cash Back and Tracker Mortgages after the periods end currently the Standard Variable Rate 6.75% for the term of the mortgage will apply. For an Adverse Credit Mortgage after the period end currently the Standard Variable Rate 9.09% for the term of the mortgage will apply. Early repayment charges may apply.

Definition of a mortgage

A mortgage (from Law French, lit. dead pledge) is a device developed in the common law world, whereby the ownership of property is passed from one person, the mortgagor, to another, the mortgagee, in return for the loan of money. The mortgagee is prevented from exercising his rights of ownership by the rules of equity so long as the interest on the loan is paid.

Historically this distinguished a mortgage from other legal devices such as a lien, charge or pledge, but in most common law jurisdictions the operations of mortgages has been changed so that these concepts have merged to a greater or lesser extent.

In modern society it is used as a method by which individuals or businesses can buy residential or commercial property without paying the full value immediately.