The overall cost for comparison is 7% APR. The actual rate available will
depend upon your circumstances. Ask for a personalised illustration.

What if I wish to repay part or all of my mortgage early?
If you decide to repay all or part of your mortgage early, an early repayment charge may apply. This is determined by the type of interest rate you have, the amount you are repaying and the date you took out your mortgage.

Can I protect my mortgage payments against illness, disability or unemployment?
You can do this with our mortgage payment protection insurance policy. Please Contact Us for details.

How do I repay my mortgage?
You can choose to have your mortgage on a repayment or interest only basis. With a repayment mortgage you make one payment each month for the length of the mortgage, which covers both the interest and repayment of capital. With an interest only mortgage you pay only the interest each month. You can then decide how you wish to invest your money in order to pay off your mortgage at the end of the term. If you are unable to decide which option you prefer, you can have a combination of part repayment and part interest only.

As I am self employed, what options are available to me?
All our mortgages are available to the self employed. There is also a Self Certification mortgage specifically for the employed and self employed for whom proving their total income is not always simple.

What is Self Certification?
Self Certification mortgages are for self-employed and employed applicants for whom proving their total income is not simple. Instead of proving your income, you are asked to calculate how much of your income you can put towards your mortgage after deducting tax, other regular commitments and the cost of living.

Do I have to take out any compulsory insurance?
No. Buildings insurance is required on all properties but does not have to be arranged through us.

What if I can't meet my mortgage repayments in any particular month?
Please call and ask to speak to our Arrears Management team to discuss your individual circumstances. Please note that for our mutual protection and to improve service standards we may monitor and/or record telephone calls.

For more information on products and a non obligation quotation, please don't hesitate to contact our friendly team, or call us on 01202 526659

M&S Mortgage Solutions Ltd is an Appointed Representative of BDS Mortgage Group which is authorised and regulated by the Financial Services Authority for mortgages and Non-Investment Insurance FSA number 301646

The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.