Mortgages, Mortgage Advice

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Belper Independent Financial Solutions Ltd is authorised and regulated The Financial Conduct Authority. FCA Number 594003

Belper Independent Financial Solutions. Trading Addresses:
10, Chapel Street, Belper, Derbyshire, DE56 1AR

Registered Office:
Unit 6, Heritage Business Centre, Derby Road, Belper, Derbyshire, DE56 1SW.
Registered in England Wales Company No. 8028528.


Buying your home or a commercial property via a mortgage is without doubt one of life's most stressful experiences. Since the credit crunch the mortgage landscape has changed for anyone wanting a mortgage. But what has not changed are the two main type of mortgage available.

Repayment Mortgage

This means that you repay your mortgage over an agreed period of time. The repayment consists of part interest and part of the capital borrowed. It is the only method of mortgage to ensure the debt is fully repaid at the end of the mortgage term. (Providing all repayments are paid in full and you meet the required payments on time).

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Interest Only

This means that you meet the interest payments only with the outstanding capital normally being paid at the end of the mortgage term. It is your responsibility that you have the means to repay the capital at the end of your mortgage term.

Each type of mortgage arrangement has advantages and disadvantages and both types of mortgages can be mixed together. Your main consideration is do you want the assurance of being mortgage-free at the end of the agreed term or would you rather accept lower payments by meeting the interest payments only while accepting the fact that you will have to meet the outstanding capital at some future stage?

Which is Right for You?

Belper Independent Financial Solutions can provide advice and guidance to all, whether you are a first time buyer, buying your next property or are looking at re-mortgaging.

There are many mortgage options to consider, including Fixed Rate, Discounted, Tracker, Cash-back, Flexible or Standard Variable Rate deals available throughout the mortgage market. Every day new deals come to the Mortgage Market and choosing the right one for you can be difficult as well as time consuming. We are here to help and will research the whole mortgage market, not just those offered by your Bank or Building Society. We do the shopping round for you to find the best and most suitable mortgage for you.

We work with you and recommend a suitable solution and ensure you have all the relevant information to make a decision before you make any applications.

Contact Belper Independent Financial Solutions for an initial no cost obligation-free discussion when more can be explained about our services and how we can help you >>>

"WARNING: YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. SOME TYPES OF MORTGAGE ARE CONSIDERED AS NON-REGULATED ACTIVITIES AND ARE THEREFORE NOT REGULATED BY THE FINANCIAL SERVICES AUTHORITY".