Mortgaging refers to the process of obtaining a loan to finance the purchase of real estate, typically a home, by using the property itself as collateral for the loan. When you mortgage a property, you are essentially taking out a mortgage loan from a lender, such as a bank or a mortgage company. The lender provides you with the funds needed to purchase the property, and in return, you agree to repay the loan over a specified period, often 15, 20, or 30 years, with interest.

The property you are purchasing serves as security for the loan. If you fail to make your mortgage payments as agreed, the lender has the legal right to take possession of the property through a process called foreclosure.

Mortgages can have various terms and interest rates, such as fixed-rate mortgages, where the interest rate remains constant throughout the loan term, or adjustable-rate mortgages (ARMs), where the interest rate can change periodically.

Mortgaging is a common way for individuals to afford real estate, and it plays a significant role in the housing market and the broader economy. It allows people to spread the cost of a home purchase over an extended period, making homeownership more accessible to a wider range of people. 

Our experienced financial advisors are ready to find the right mortgage for you.

What mortgages can we offer for you?

1. First-time buyer mortgage
2. Remortgage
3. Buy to Let mortgage
4. Limited company mortgage