Elmbank Mortgages
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Elmbank Mortgages
With over 23 years of experience in the business we can tailor the right mortgage for you whilst also providing protection and insurance. Our budget planner will help you work out your requirements for the mortgage that suits you best. We are an independent broker which means, unlike a bank we can compare rates and deals to suit your circumstances.

We have access to tailor made deals and act as a go between for you and will advise you whether you are a first time buyer or a buy to let landlord. We will offer you unbiased financial advice. If your current deal can not be bettered or if your bank can offer you a better rate than we can find in the current market, we will tell you so. At Elmbank our job is to help people find and get the finance for their homes, but on the flip side of this many people find themselves homeless for lots of different reasons.

Launchpad are a local Reading based charity who provide help, assistance and guidance to those who find themselves in this unfortunate position.
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Helping hundreds of clients over the years dealing with a wide variety of situations in changing conditions.
Administrator at Elmbank Mortgages Ltd with over 14 years experience in Operational Management and Human Resources.
Tracy is currently studying for her mortgage qualification but is fully equipped to deal with your questions.
Elmbank Mortgages were amazing finding me the best deal for my flat, as a first time buyer Sara was amazing helping me and explaining it all to me so I understood.
They are always happy to help and can ask them anything.
With our years of experience we can help you through the process and find the correct mortgage for your budget and situation.
You can visit our offices in Yateley or Reading, alternatively everything can be done over the phone and remotely via email, offering you the flexibility you need.
To help you understand mortgages in more detail here is our handy guide to the types of deals available.
Tracker rate - this is based on the Bank of England rate and is either set at a % below or above this for an initial period.
Death Cover - lump sum cover in the event of death or becoming terminally ill.
This cover means you keep the house and not the debt in the event of death during the duration of the mortgage.
Cancer and Critical Illness - a one off lump sum if you are diagnosed with a specified critical illness, the top 4 claims being: cancer, stroke, MS and heart attack.
Income Protection - a safety net if you are unfortunate enough to find yourself out of work due to illness or injury so that you don't have to just rely on the government for income support.
Insuring your home and contents is advisable as it is probably the biggest investment that you will make.
Let us also advise and provide the right protection for you and your family and protect your investment.
When taking out a mortgage you should always consider the insurance cover you have against your buildings and contents and review your policies to reflect any changes.
Buildings Insurance - it is a requirement of your mortgage that you have buildings insurance on your property to protect against fire, flood or subsidence.
Enter the house price, how much you can put down and rate of interest, also the time you want to spread the payments over.
Simply press Calculate, change the information and do this as many times as you like to get different information.
Before you enter into any new mortgage commitment, you need to be sure that it is affordable on your own personal budget.
Use this budget planner to work out what you can afford to pay each month.
Use our budget planner to calculate your outgoings to find the right mortgage for your budget.
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