Mortgages

We arrange Residential mortgages, ‘Buy to Let’ mortgages, Second Mortgages/Secured Loans, and Re-mortgages. We have a research tool that covers ‘the whole of market’. Having reviewed your situation now, and your wishes for the future, we then explain the differences in the fixed rates, tracker and discount rates, variable rates, and capped rates and review the current market rate trends. The term of the mortgage and whether it is repayment or interest only, with or without an investment repayment product, will all affect the monthly payment.

You may wish to discuss how to protect yourself if you or the building are struck down. A full explanation of the features and benefits of Building & Contents Insurance, Life and Critical Illness, Income Protection and Unemployment cover can be provided.

This can all be arranged in the comfort of your own home or office and at time that is convenient to you. Please see ‘Our Service Proposition’. So, why wait – call now!

There may be a fee for Mortgage Advice. The precise amount will depend upon your circumstances, but we estimate that it will be £500 offset by commission, which may leave no fee payable. The Financial Services Authority does not regulate some form of mortgages and debt consolidation.


Mortage Quote Form

Full Name Client 1:	Mr Mrs Miss Ms Dr *
Full Name Client 2:	Mr Mrs Miss Ms Dr *
Date of Birth Client 1:	*
Date of Birth Client 2:	*
On Electoral Role:	Yes No *
Email Address:	*
Home Phone:	*
Work Phone Client 1:
Work Phone Client 2:
Mobile Phone Client 1:
Mobile Phone Client 2:
What is the best time for a Mortgage Professional to contact you to help sort out your Ideal Mortgage?	Please Choose... Evening Afternoon Morning Anytime  Preferred Time:
Who should they best Contact to discuss your Mortgage Requirements?	Client 1: Client 2:
Resident UK Area:	Please Choose... England Scotland Wales N. Ireland
UK Home Address:	*
UK Postcode:	*
How long have you lived at this address?
Mortgage Type Required:	Please Choose... Re-Mortgage New Purchase Buy To Let Equity Release Other Buy to Let mortgages are not regulated by the Financial Services Authority.
Property Purchase/Valuation Price:	£
Mortgage Sum Required:	£
Mortgage Duration Required:	Please Choose... 5-10 Yrs 10-15 Yrs 15-20 Yrs 20-25 Yrs 25 Yrs Plus
Property Position:	Please Choose... 1st Time Buyer Buy To Let Property Sold On Market & Under Offer On Market & Not Under Offer Not Yet On Market Other
Mortgage Option Required:	Please Choose... Variable Rate Fixed Rate Discount Rate Capped Rate Flexible Rate Cashback Rate Current Account Other
How Soon Do You Need The Mortgage:	Please Choose... 0 - 2 Months 2 - 4 Months
Mortgage Redemption Penalty:	Yes: No: If ticked yes, approximately how much:
Existing Mortgage Outstanding:	Please Choose... First Time Buyer Less Than 30k 30k - 50k 50k - 75k 75k - 100k 100k - 125k 125k - 150k 150k - 175k 175k - 200k 200k - 225k 225k - 250k 250k - 275k 275k - 300k 300k - 325k 325k - 350k 350k Plus
Current Mortgage Lender:
Credit Problems (eg CCJ's): Satisfied?	Yes: No: Yes: No:
Client 1 - Current Annual Gross Salary:	£ p/a. Employed: Self Employed: *
Client 2 - Current Annual Gross Salary:	£ p/a. Employed: Self Employed: *
Deposit Available:
Comments:
By submitting this application form/mortgage enquiry I/We agree that:-The information provided is true and accurate and I/We understand that we will be contacted by a member/broker of Nyas Financial Ltd
I Agree
IMPORTANT WARNING NOTE: This FREE manual search is conducted by professional mortgage consultants who will spend their valuable time to find your ideal mortgage. Out of courtesy we ask that you fully complete your details correctly and that by pressing the submit button you agree to be contacted.
Please untick box if you do not wish to be contacted about other related products from our introduced companies.

Mortage Calculator

How much will it cost?
This calculator will give you an estimate of what your monthly payments would be for a particular loan amount and interest rate. How much would you like to borrow? £ Interest rate:    . % Over how many years would you like to pay off the mortgage?   1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 yrs Mortgage Type:   Interest Only Repayment Your approximate monthly payment would be: £
How much can I borrow?
This calculator will give you an estimate of what you might be able to borrow (this will vary greatly from lender to lender). What is the annual income of the main applicant? £ If there is a joint applicant, what is their annual income? £ Please state the regular bonus, commission or any other income for main applicant: £ Please state the regular bonus, commission or any other income for joint applicant: £ This is approximately how much you can borrow (Affordability Based): £ This is approximately how much you can borrow (Lending Criteria): £

Repayment (capital and interest) mortgages:
Under a repayment mortgage your monthly repayments consist of both interest and capital hence, over time, the amount of money you actually owe will decrease. In the early years your repayments will be mainly interest and therefore the capital outstanding will reduce slowly in the early years.

Whilst this method ensures that the loan is repaid at the end of the term providing all payments are made on time and in full, it is generally more expensive at the start.


Interest only mortgages
As their name suggests, with an interest only mortgage you only repay the interest on the loan. At the end of the term the capital is still outstanding. Therefore you will usually need to take out some kind of investment policy to save up enough to repay the loan at the end of the term.

Traditionally the preferred product for repaying the capital of an interest only mortgage was a mortgage endowment policy (which included a set amount of life cover) – although more recently customers are using Individual Savings Accounts (ISAs) and pensions to build up a sufficient sum and taking advantage of the tax breaks offered by these products.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

The Financial Services Authority does not regulate some forms of mortgages

There may be a fee for Mortgage Advice. The precise amount will depend upon your circumstances, but we estimate that it will be £500 offset by commission, which may leave no fee payable

 

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