Independent Mortgage Advisor for Cardiff and South Wales

We're a Cardiff based independent mortgage broker and insurance specialist that prides itself on selecting the best deals available according to your individual circumstances and requirements. We cover the whole of market and can even obtain exclusive products that are not open to the general public.

TOP DEALS - February 2012

Best fixed rate deals

Rate	Period	Lender's fee £	Incentives	Early repayment charges	Reversionary Rate
3.19%	2yr	Nil	Free Valuation and Free legals for re-mortgages + £250 Cashback	3,2%	3.69%
3.49%	3yr	Nil	Free Valuation and Free legals for re-mortgages + £250 Cashback	3,2,2%	3.69%
3.39%	5yr	Nil	-	5,4,3,2,1%	4.24%

Best variable rate deals

Rate	Period	Lender's fee £	Incentives	Early repayment charges	Reversionary Rate
2.39%	2yr	Nil	Free Valuation	None	2.39%
2.39%	3yr	Nil	Free Valuation	None	2.39%
2.39%	5yr	Nil	Free Valuation	None	2.39%

Rates correct as at February 2012

Repaying the Loan?

The two main ways to repay your mortgage are 'repayment' and 'interest only'.

1. With a repayment mortgage you make monthly payments for an agreed period (the 'term') until you've paid back the loan and the interest.

2. With an interest only mortgage you make monthly payments for an agreed period but these will only cover the interest on your loan. You will normally have to pay into another savings or investment plan that will hopefully pay off the loan at the end of the term. If you cannot repay the mortgage at the end of the term you may have to sell the property.