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Top Financial Choice Ltd is an appointed representative of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. Top Financial Choice Ltd is a company registered in Northern Ireland (NI640611) whose registered office is situated at 120 Craigs Road, Carrickfergus, County Antrim, Northern Ireland, BT38 9XA.


The information and content within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

Fixed Rate Mortgage

This type of mortgage has an interest rate that stays the same for a set period. This could be anything from two to ten years. Your repayments are the same every month and you don't need to fear fluctuations in interest rates. Most will charge you a penalty - known as an early repayment charge (ERC) - if you choose to leave the deal before the end of the fixed term.

Variable Rate Mortgage

These mortgage interest rates adjust periodically, therefore your monthly payments may change each month throughout the life of the loan. Usually, the interest rate changes in relation to another rate; the Bank of England's base rate is very influential on variable interest rates, as is the base rate of each lender. Variable Rate Mortgages come in the form of standard variable rate, tracker, and discount rate.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP THE REPAYMENTS ON YOUR MORTGAGE.

First Time Buyers

Buying a house is likely to be the single biggest investment you will make in your lifetime. With so many factors to consider, you can be presented with a confusing range of mortgage options to choose from. If you are a first time buyer looking to get on the property ladder we may be able to help you.


  


Remortgage

If you have a mortgage you may be paying more than you need to, and so a regular review of how your mortgage compares may result in significant savings by remortgaging to a different lender. We have access to thousands of different remortgage deals, so make sure you talk to us before making a decision about your mortgage.

Buy To Let*

Subject to a deposit and acceptable levels of rental income there are some very attractive buy to let mortgage deals available to would-be investors. We will offer you comprehensive advice whether you are considering your first buy-to-let purchase or indeed if you have an established portfolio of properties and are looking for a more competitive deal.

* Some Buy to Let Mortgages are not regulated by the Financial Conduct Authority.

MORTGAGE ADVICE


Whether you are buying your first home or looking for a new investment property, there is lots of stress and complications involved in mortgages and financing. That is where we come in. We help our clients with all their Mortgage Lending needs so you can enjoy the fun and excitement of purchasing property.