Mortgage Calculator
A vital part of purchasing your own home is arranging the right type of mortgage. Getting help and independent advice is the key part of this process and Sovereign Living is here to help you make these important decisions.
Independent Financial Advice
Our panel of independent mortgage advisors has been selected because of their high levels of service as shown from our customer feedback; they will help you make the choices that will give you a great start to life as a home owner.
Because mortgage advice is so important in buying your home, we expect all applicants to seek advice before arranging a mortgage. You can use one of the mortgage advisors below.
If you choose your own advisor then we may need to carry out a further check of your details to ensure you have been given the best possible advice.
Types of Mortgages
There are many different types of mortgage, with varying terms and conditions. You will be required to obtain your mortgage from a high street lender, regulated by the FSA. You will be advised of which mortgages are acceptable for the scheme you are applying for.
When choosing the right mortgage for you, make sure you're not overstretching yourself and can afford the monthly payments.
Remember, interest rates can go up as well as down, so make sure you've got enough flexibility to cover potential financial outgoings.
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This calculator is provided for information purposes only. Sovereign Living are not authorsed to provide financial advice and the information provided by this mortgage payment calculator does not contain all of the details you need to choose a mortgage. Make sure you receive a Key Facts Illustration (KFI) from an authorised financial advisor before you make any decisions.
Other important things to note:
Generally, the term of your mortgage should be for no more than 35 years.
- Self-certified mortgages are not acceptable.
- Your mortgage should be on a repayment basis.
- We cannot accept mortgage offers that offer further borrowing without consent.
- You can only borrow money on a mortgage up to the value of the share you are buying in the property
Our panel of Financial Advisors
Dupree Mortgage Services 17 Springfield Business Centre Brunel Way Stonehouse GL10 3SX Phone: 01453 852900 Email: gerry.dupree@dupreefs.com |
Stephen J Douglas Financial Services Stephen Douglas 9A Market Place Basingstoke RG21 7LZ Phone: 01256 472722 |
| Face2Face Financial Services James Webster 6 Branson Court Plymouth PL7 2WU Phone: 07856 321531 Email: jameswebs@mab.org.uk |
Stonebridge Mortgage Services Simon Smith 1 Royston House, 42-44 East Street Andover SP10 1ES Phone: 01264 353648 |
Hodgson Kearney Financial Services Mike Kearney/Richard Hodgson 64 Broad Street Staple Hill Bristol BS16 5NL Phone: 0117 3014393 Email: admin@hodgsonkearney.co.uk |
Other financial advisors
The Financial Services Authority (FSA) hold a register of financial/mortgage advisors who are put on their register once they have given them permission to carry out a particular activity. After being authorised the FSA monitor that they follow set standards, known as being regulated. You can access the register by clicking here.
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