adh mortgage services, deeside, flintshire

Areas we cover:

We are based in Deeside, Flintshire & cover North Wales, Chester, Cheshire, Wirral & Merseyside.

Mortgage Types

Your mortgage is probably the largest financial transaction and commitment you are likely to undertake. We recommend you seek mortgage advice which is individually tailored to your needs and requirements.


Gone are the days when a borrower was grateful to the lender for providing them with a mortgage facility. In today's marketplace, lenders are in competition with each other for your valuable business. They are therefore willing to offer incentives to entice you. But beware, you don't want them to snare you!


There are so many types of mortgage available that it is easy to become confused, possibly opting for the product offering the lowest headline rate of interest. But when booking and arrangement fees, conditional insurances, higher lending charges, lock-ins and early repayment charge are taken into account, the products may not be as attractive as you might have first thought.



  • Residential & Buy To Let Mortgages - We have access to mortgage sourcing systems that are updated daily so that we can provide our clients with all the very latest mortgage offers. We can then offer mortgages suitable for each individual's requirements, so there's no need to look any further.
  • Ways to repay your mortgage - There are various ways to repay your mortgage. Here is a brief outline of the more popular repayment methods, and their advantages and disadvantages.
  • Repayment Mortgages - Also known as capital mortgages, Repayment mortgages are the traditional means of paying for a property so that eventually it becomes fully yours as a result of the payments. The term of a repayment mortgage is typically 25 years and at the end of that period you would, if payments have been kept up, owe nothing to the lender.

    Your mortgage payments are divided into capital repayments which are repayments of the money you borrowed and interest payments which are repayments of the interest charged for the loan.

    Every month you pay off some of the interest and some of the capital. The monthly repayments on a repayment mortgage will be greater than an equivalent interest only mortgage.

    Please look at some Repayment Mortgage Options by contacting us for advice on repayment mortgages.
  • Interest Only Mortgages - As the name suggests with an interest only mortgage you are only paying off the interest on the loan. The capital remains unpaid.

    Typically, interest only mortgages run alongside an investment. The idea being that the investment is used to pay off the mortgage at the end of its term or even provide a surplus.

    The danger with this type of mortgage is that if the investment is unsuccessful you could lose your home at the end of the mortgage term.

    For more Interest Only Mortgage options contact us on 01244 831023

    To find out more about interest payments go to our mortgage interest page.

 

 




There maybe a fee for mortgage advice, the precise amount will depend on circumstances but we estimate it to be £295.


The guidance and/or advice contained in this website is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK.


ADH Mortgage Services is an Appointed Representative of Pink Home Loans.
Pink Home Loans is a trading name of Advance Mortgage Funding Limited.


The Financial Conduct Authority does not regulate some forms of Buy to Let.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.