Common Mortgage Terms & Jargon (A)

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Accountant's certificate
A reference giving  confirmation of income for the self-employed, contractors or directors from their accountant.  The requested information varies between lenders, but includes how long the individual has been trading, tax office details and verification of audited income.

Advance
The mortgage loan. 

Appointed representative
This is a salesperson, company or organisation that advises on the investment products (endowments, pensions, unit trusts and so on) of one single life assurance company. 

APR
Annual Percentage Rate. This is meant to be a way of comparing the cost of credit. It takes into account most of the up-front and on-going costs involved in taking out a mortgage. You cannot always rely on it because lenders work it out in different ways . 

Arrangement fee
A fee you pay to the lender in return for a mortgage deal. This deal could be fixed, discounted or cashback. 

ASU Insurance
This covers accident, sickness and unemployment. It provides a monthly payment if you cannot work for an extended period due to an accident, sickness or unemployment. 

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We always get the best deal for our clients including: 

• the best rates
• the most suitable terms
• no horrendous redemption penalties
• no selling of unnecessary insurance
• no hidden costs
• mortgages, re-mortgages, secured loans and personal loans

We are always available to discuss or advise you on your requirements, and a personal illustration of your new mortgage or re-mortgage is always given. We truly appreciate your visit to our web site. We trust you will find what you see and read both informative and helpful and we hope to hear from you in the very near future.

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Whilst every effort has been made to ensure that the facts here are correct, no liability is accepted for any errors contained herein or for any loss resulting from actions taken. 

Unless stated all loan and mortgage products are intended for people living in the United Kingdom. Specifically: UK non status mortgages, UK commercial mortgages, UK buy to let mortgages, UK remortgages, UK residential mortgages, UK self build mortgages and UK home owner loans.