Our free initial consultation will give you a complete assessment of your mortgage requirements and can show how you may be able to save money by comparing thousands of mortgage products to find the most appropriate solution which suits your individual requirements.


Crystal Clear Mortgages will deal with the whole process from start to finish allowing you to continue with your day to day life as painless and as stress free as possible.
We will then also support you throughout the life of your mortgage, as well as the essential protection and insurances and even review your mortgage on a regular basis to ensure it is providing you with the best solution – as your circumstances change throughout your working life so can your mortgage.

Standard Variable Rate

The SVR is the lender's standard rate which can go up or go down and the lender can change at any time. With a variable rate mortgage, you are able to switch lenders at any time without being penalised.

Fixed Rate

A fixed rate mortgage allows you have the peace of mind knowing your monthly repayments will remain the same every month for a set period of time irrespective of any base rate fluctuations. Most common fixed terms are between 1 and 5 years but could be longer. After the agreed period, the interest rate usually reverts to the lender's SVR.

Base Rate Tracker

A tracker mortgage will track any movement in the Bank of England Base Rate, so you will benefit from any falls in interest rates, but will also have to pay more each month should the rates increase.
This is not controlled by the Lender – Bank of England meet on the 1st Thursday of every month to set the Base Rate

Disscount

The discount mortgage rate is a variation of the standard variable rate. It provides a discount from the lender's SVR for a certain period of time. The interest rate still fluctuates, meaning your monthly repayments may differ slightly from month to month, but the discount remains constant.

Capped

This is another interest repayment variation. You agree to have a limit - a cap - on the maximum amount of interest you will pay over a particular period of time while allowing it to fall if the variable rate drops. Currently these are very limited and tend to be only available when interest rates are higher.

N.B.
Some mortgages have early repayment charges so you need to be sure this is suitable for you for the foreseeable future. Furthermore, the lender may also charge a 'booking/arrangement fee' to apply for certain types of mortgage. You should ask your adviser to explain these in more detail, or ask for an illustration.

Your home may be repossessed if you do not keep up repayments on your mortgage.

First Time Buyers

There is a range of mortgages on the market with deposits from as little as 5% and some even have free valuations with no added fees helping you to get on the housing ladder. Moving house can be a very stressful time and can seem a very daunting task! But not to worry at Crystal Clear Mortgages we will help you as much as you need which can include dealing with the Estate Agents and Solicitors. Not only will we discuss the Mortgage options for you we will explain and arrange all the other vital insurances to help protect you which will include the Buildings & Contents Insurance, Life Insurance, Critical Illness Cover and Income protection. As with all insurance policies, conditions and exclusions will apply. Your home may be repossessed if you do not keep up repayments on your mortgage.

Moving Home

There is a range of mortgages on the market with deposits from as little as 5% and some even have free valuations with no added fees helping you to move on. Moving house can be a very stressful time and can seem a very daunting task! But not to worry at Crystal Clear Mortgages we will help you as much as you need which can include dealing with the Estate Agents and Solicitors. Not only will we discuss the Mortgage options for you we will explain and arrange all the other vital insurances to help protect you which will include the Buildings & Contents Insurance, Life Insurance, Critical Illness Cover and Income protection. As with all insurance policies, conditions and exclusions will apply. Your home may be repossessed if you do not keep up repayments on your mortgage.

Remortgages

Whether you are looking to get a lower interest rate, reduce the term, raise extra capital for home improvements or maybe debt consolidation we can help as Crystal Clear Mortgages has access to the whole of market and also exclusive rates not available through the branches.
A lot of remortgage deals will come as a Fees Free package which will include free Solicitors. You may have to pay an early repayment charge to your existing lender if you remortgage Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage

Buy To Let

Buy To Let If you are looking at buying a property to rent out then speak to us as we have access to exclusive Buy To Let deals and also deals with only a 20% deposit. The mortgages are assessed on rental income not your own income. Bought a property at auction and have done it up then why not remortgage to release some equity and buy another and help to build your portfolio. Your property may be repossessed if you do not keep up repayments on your mortgage. Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority

Adverse

Have you recently been declined by your bank or are you experiencing financial difficulty? We can help you! We have access to the whole of the mortgage market and some lenders have products aimed at people with low credit scores, adverse credit and people that may have been declined by their bank. Your home may be repossessed if you do not keep up repayments on your mortgage.