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Helping to Find the Right Mortgage for You

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The best mortgage deal for you is entirely dependent on your individual circumstances.

Choosing the right mortgage is crucial and our team at MortgageKey will talk you through all of your options, and explain both the short and longer term impact for you and your family.

Why Choose MortgageKey for Comparing Mortgages

Thousands of deals considered

We search and compare thousands of shared ownership mortgage deals to tailor a deal for you

We’re completely independent

We’ve no tie-ins with certain lenders so our focus is solely on finding the best option for you

Pay nothing until completion

We don’t ask for any payment until your shared ownership mortgage deal is complete

Award-winning mortgage and loans experts – ready to help you today

Our team of specialists will guide you through the process of securing a mortgage, buying a home or taking out a loan – finding the very best deals for you and your family.

Mortgage & Loan Guides

Read our experts’ latest advice on a wide range of mortgage options to the tax implications of buying properties to let.

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Infographics

Making mortgages and loans simpler to understand is our key skill, and our infographics do just that!

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Hear from our Clients

Don’t just take our word for it, hear from our happy clients who we have helped through the mortgages and loans process.

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Which Type of Mortgage Shall I Choose?

There are several different kinds of mortgages to choose from and it is important to understand how they will work, given your specific circumstances.

Deposit, your monthly income and expenditure, and the type of property you are buying, must all be taken into consideration, helping to identify the best mortgage type for you.

The main types of mortgage deals are as follows;

Tracker Mortgage Deals

A tracker mortgage tracks the Bank of England interest base rate, applies it, and adds an additional set percentage rate. So, if you select a mortgage deal with a 2.5% set percentage rate from the lender and the Bank of England’s base rate was 0.3%, your payable mortgage deal would be 2.8%. However, if the base rate dropped as low as 0.15%, you would benefit from a reduced monthly mortgage rate. The same of course applies if the base rate rises, making it more costly.

Fixed Rate Mortgage Deals

Fixed rate mortgages bring peace of mind and stability as you know you’ll be paying the same amount each month, regardless of what’s happening to the Bank of England base rate or the property market. A set rate is agreed for a certain period when the mortgage is taken out, typically lasting between two and five years. It is possible to fix it for longer, should you want to, however, it’s advisable to assess the market every so often to see if you can secure a better mortgage deal.

Discounted Mortgages

Discounted mortgages offer an upfront discount off the lender’s Standard Variable Rate (SVR). This is usually for the first few years of your mortgage deal, before it switches back to the SVR. Your lender’s SVR is subject to change, making your payments increase or decrease throughout the term of your mortgage deal.

Capped Mortgage Deals

A capped rate mortgage is a variable rate, so your monthly repayments can fluctuate. However, the rate can be capped so that it will never go above a certain limit. You may choose this mortgage deal, if you are under the impression that mortgage rates will fall, so you can reap the rewards. But, at the same time, you want that added protection, so that there’s a cap in-case they increase.

Offset Mortgage Deals

An offset mortgage uses any savings to reduce the amount of interest you pay overall. Imagine you have a £250,000 mortgage and £45,000 in savings. You can offset these savings against your mortgage so that you only pay interest on £205,000 of your mortgage deal. The savings are still accessible whenever you choose, but that’s what makes rates on offset mortgages slightly higher than standard mortgages.

What our clients are saying

  • I went from not thinking I could get a mortgage, to mortgage approved in 2 weeks, and at a rate I never thought possible! The service provided by Jami...
    customer
  • Very well organised and friendly . Told us upfront what to expect and what it was gonna cost . Very honest with what they tell you . Always keeping yo...
    Oliver Cole
  • I was dealing with Jamie Money for my remortgage enquiry great communication, Kept me informed throughout the process and managed to save me money! wi...
    Michele Clark
  • Would highly recommend they were very helpful and it was a very easy process 👍👍
    Carl Dean
  • Great good quick service thank you
    Dale Bromell
  • The service I received from Matt was first rate. Sorted out a deal in very quick time with no fuss. I would strongly recommend this company.
    Mr Brandon
  • I have recently been dealing with Jamie Melling and it has been nothing but straight forward from the start. He has been very informative, answering a...
    Lauren
  • What a fantastic company this is so helpful and willing to go the extra mile to get things done Jamie money,Meghan,Rebecca and Olivia are amazing I wo...
    Emma Gregory
  • Good service so far.
    CAROLINE HAYNES
  • This was my second property, but same comments as the first one. The chap I was dealing with, Karl, was great and very helpful. We got a good result...
    Jeffrey Peyton-Bruhl
  • We just want to thank Callum for being amazing. We honestly could not have asked for a better mortgage advisor, he put up with us calling all the time...
    Jessica Boyle
  • Callum was excellent highly professional and very approachable, I would definitely recommend the company to anyone that I know Shazad
    shazad
  • kept in touch every step of the way. always responded quick to emails and my questions. kept in the loop constantly on each step of the process. fr...
    Hayley Reay
  • Very easy to deal with, good communication and service. Got me a mortgage with a high street lender when other brokers said they couldn’t.
    Mark Tomlinson
  • Morgage key have communicated with us through out, if they have only just checked to say Hi and if there was anything they could do Whilst waiting fo...
    Heather Twigg
  • Easy to deal with. Quick and efficient. Great customer service. Mortgage to meet my needs and a competitive rate. Also sorted life insurance too. Hig...
    Diane Franklin
  • The second time we have used mortgage key now and we are really happy. It was great to deal with Karl again, he gave us solid advice and we had a laug...
    Daniel Conelly
  • Super fast great comms will use again
    customer
  • Fantastic service. Offer issued within a week.
    Charlotte D
  • Great service, good communication and on the ball! I would recommend to a friend to use MortgageKey, helpful and polite. Thank you!
    Ann-Marie Smith

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