Mortgages2018-08-01T12:21:57+00:00

Mortgages Products

Placing individual service at the heart of our business

Finding the right mortgage

You’ve found a property to purchase and now want to get the right mortgage, there are thousands of products on the market, so where do you start?

At Chapelgate Private Finance your adviser will take the time to fully understand your current position and plans for the future in order to make a suitable recommendation.

What Type of Mortgage Rate is Best? We’ll help you find the right one!

Our individual mortgage service removes all the hassle of finding the right solution – we’ll do all the hard work to find you the right mortgage, keeping the process straight forward with genuine advice aimed at getting you the right deal.

Fixed Rate Mortgages

If you want a set budget and are concerned about changes in future interest rates then a fixed rate may well be for you. Lenders generally offer fixed rates for anywhere between 2 – 5 years and from time to time longer term fixed rates of 10 years + may be available.

Tracker Mortgages

This type of rate will typically be a set margin above the Bank of England bank rate, it will therefore go up and down with changes in the bank rate. Lenders generally offer tracker rates for two years with some offering to track the bank rate for the term of the loan.

Discounted Rate Mortgages

This is a type of variable rate where the lender offers a set discount off their standard variable rate for a period of time. As it is not linked to the Bank of England bank rate, just be wary of the fact that the lender can decide to change their standard variable rate at anytime.

Capped Rate Mortgages

This type of mortgage rate is rarely available, it is a variable interest rate which has a cap or ceiling on the interest rate charged, they’re good if you want to take advantage of any reductions in interest rates but want some protection if rates increase too high.

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Other products you may be interested in

We offer advice on a wide range of mortgage and home insurance products designed to meet your needs

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First Time Buyers

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Moving Home

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Protecting Yourself

Your home may be repossessed if you do not keep up repayments on a mortgage.

The information on this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Chapelgate Private Finance is a trade name of Chapelgate Associates Ltd which is an appointed representative of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. Chapelgate Associates Ltd is a company registered in England and Wales 05539901 whose registered office is situated at 192 West End Lane, London, NW6 1SG