Keystone IMC Keystone Independent Mortgage Consultants: Independent mortgage advice in plain English from one of Suffolks leading mortgage brokers. Based in Woodbridge & Ipswich, Suffolk, Keystone IMC Ltd are an independent whole of market mortgage broker. Whether you are buying a property, remortgaging, a first time buyer, buy to let investor or you are simply curious about how mortgages work, this is the site for you.
This site is filled with lots of information designed to help anyone in the UK looking for independent mortgage advice. We know you probably think mortgages are not that exciting but our expert advisors love them, in fact we talk about them all day long so who better to talk to than us? We found all aspects of the service provided by Keystone IMC to have been excellent and would like to thank it for the.
From initial consultation to completion I found the service I received from Keystone and especially Clare. If you're looking for 100% honesty, accuracy and efficiency when finding a mortgage Jason is without doubt your man.
This site is filled with lots of information designed to help anyone in the UK looking for independent mortgage advice. We know you probably think mortgages are not that exciting but our expert advisors love them, in fact we talk about them all day long so who better to talk to than us? We found all aspects of the service provided by Keystone IMC to have been excellent and would like to thank it for the.
From initial consultation to completion I found the service I received from Keystone and especially Clare. If you're looking for 100% honesty, accuracy and efficiency when finding a mortgage Jason is without doubt your man.
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There's no manual for applying for a mortgage.
People who are looking to obtain a mortgage often don't know where to begin.
Beyond the basics of a mortgage even those who may consider themselves seasoned mortgagors may be tripped up by some of the finer points.
The purpose of this section then, is to serve as a resource for obtaining a mortgage.
In the mortgage section, you'll find out about the process of obtaining a mortgage, through to step-by-step tutorials in applying for a mortgage.
The mortgage section is designed to help new and existing clients of Keystone IMC at every technical level from the first time buyer right through to individuals that have had, or have multiple mortgages.
People who are looking to obtain a mortgage often don't know where to begin.
Beyond the basics of a mortgage even those who may consider themselves seasoned mortgagors may be tripped up by some of the finer points.
The purpose of this section then, is to serve as a resource for obtaining a mortgage.
In the mortgage section, you'll find out about the process of obtaining a mortgage, through to step-by-step tutorials in applying for a mortgage.
The mortgage section is designed to help new and existing clients of Keystone IMC at every technical level from the first time buyer right through to individuals that have had, or have multiple mortgages.
A mortgage is a loan that is secured against a property.
The property is usually a house, bungalow or flat.
Being secured against the property means that should you fall behind with your mortgage repayments then the bank or building society can repossess the property to recover the debt, mortgage arrears and perhaps some costs.
Chances are that now is the time you are thinking about purchasing a property and you probably don't have enough money in the bank to pay for it in full.
For example, let's say you can afford to put down a deposit of 10% on a property you would like to buy for 100,000.
The property is usually a house, bungalow or flat.
Being secured against the property means that should you fall behind with your mortgage repayments then the bank or building society can repossess the property to recover the debt, mortgage arrears and perhaps some costs.
Chances are that now is the time you are thinking about purchasing a property and you probably don't have enough money in the bank to pay for it in full.
For example, let's say you can afford to put down a deposit of 10% on a property you would like to buy for 100,000.
Without professional guidance, choosing the right mortgage can prove a rather tricky exercise.
With the advances of the internet, finding the lowest rates is a comparatively easy task.
In fact, type into Google 'lowest mortgage rates' and you will get around 28,200,000 results of sites competing for your business.
Is this enough to make an informed choice?
Well no.
There are many other important factors to consider other than rate.
You must consider set up fees, early repayment charges, the reversion rate after your initial deal runs out, does the lender in question have a history of offering you a new deal when your current one runs out, is the mortgage portable, will you fit the lender's criteria?
With the advances of the internet, finding the lowest rates is a comparatively easy task.
In fact, type into Google 'lowest mortgage rates' and you will get around 28,200,000 results of sites competing for your business.
Is this enough to make an informed choice?
Well no.
There are many other important factors to consider other than rate.
You must consider set up fees, early repayment charges, the reversion rate after your initial deal runs out, does the lender in question have a history of offering you a new deal when your current one runs out, is the mortgage portable, will you fit the lender's criteria?
Here you'll begin to understand how mortgages really work.
We have tried our best to make these as easy to follow as possible so that everyone can benefit from the following pages.
Our aim, as always, is to educate our clients to a level they feel they can make an informed choice of the best mortgage for their needs.
Each part includes clear, easy to understand graphs to help visualize each topic in more detail.
We cover the different ways to repay a mortgage, the difference between fixed mortgage interest and variable mortgage interest, which type of survey do you need and to help with all of the jargon there are usefull mini glossaries on each page and a full mortgage glossary of terms at the end.
We have tried our best to make these as easy to follow as possible so that everyone can benefit from the following pages.
Our aim, as always, is to educate our clients to a level they feel they can make an informed choice of the best mortgage for their needs.
Each part includes clear, easy to understand graphs to help visualize each topic in more detail.
We cover the different ways to repay a mortgage, the difference between fixed mortgage interest and variable mortgage interest, which type of survey do you need and to help with all of the jargon there are usefull mini glossaries on each page and a full mortgage glossary of terms at the end.
INTRODUCTION: When you take out a mortgage on a property you will be asked how you intend to repay the loan.
It is your responsibility to ensure an adequate repayment method is in place to repay the mortgage at the end of the mortgage term.
Obtaining a mortgage on an interest only basis is often difficult.
Many lenders now restrict the maximum LTV for interest only mortgages to 75% as they consider this method high risk.
Some lenders are now even charging a higher rate of interest for interest only mortgages.
It is your responsibility to ensure an adequate repayment method is in place to repay the mortgage at the end of the mortgage term.
Obtaining a mortgage on an interest only basis is often difficult.
Many lenders now restrict the maximum LTV for interest only mortgages to 75% as they consider this method high risk.
Some lenders are now even charging a higher rate of interest for interest only mortgages.
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