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A residential mortgage is typically a loan provided to purchase a home. The loan is secured on the property that is purchased and must be repaid in full by the end of the mortgage term.

Buy to let mortgages are specifically designed for properties bought with the intention of letting to tenants, rather than being lived in by the owner.

Equity release (or lifetime mortgage) is a type of mortgage typically for older people who are often asset rich but cash poor. Equity release is a way of releasing the wealth tied up in your home without having to sell it and potentially ‘down size’. Equity release schemes allow you to either borrow against the value of your home or sell all or part of it in exchange for a lump sum, which can be drawn down either immediately or over a period of time, or alternatively provide a regular monthly income for life.

Our independent mortgage advisers can help you to find the very best deal for your circumstances.

Your home may be repossessed if you do not keep up repayments on your mortgage. To understand the features and risks of a lifetime mortgage or home reversion plan, ask for a personalised illustration.