125% Mortgage Broker - Independent Mortgage Advice

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Why choose a 125% Mortgage?


125% mortgages  and 125% re-mortgages are a recent innovation and can be very useful in certain circumstances.
 

● Your ability to afford a mortgage or re-mortgage may be hampered by your existing credit commitments.

● You don't have a deposit but can afford the repayments.

● A single mortgage payment may be a better option than trying to repay loans & credit cards as well as a mortgage.
 

● Your new property may need work to turn it into your dream home so why not use a 125% facility to do the work straight away.

● A 125% re-mortgage can be used to release equity for home improvements or to pay off commitments.
 

How do 125% mortgages work?
 

The 125% mortgage can be structured in two parts, a 95% mortgage coupled with up to a maximum of 30% unsecured loan.
The maximum unsecured element is £30,000.

The whole 125% mortgage is at one very competitive interest rate and you make a single monthly repayment in the same way as normal. Please contact us for the latest deals.

By structuring the 125% mortgage as two parts you have the flexibility of being able to move and keep the unsecured loan portion running if there are insufficient sale proceeds to pay off the whole loan.

The unsecured portion must be on a repayment basis over a maximum of 25 years whilst the secured part can be up to 35 years on Interest Only or Repayment basis.

125% mortgages have NO higher loan fee

125% mortgages can have the flexibility to over pay even with the fixed rate deals

Alternatively a single 125% mortgage can be taken but you will need to find extra money to repay any excess of mortgage over property value if you sell up and your property is worth less than the outstanding mortgage.


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