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First Time Buyer and Subsequent Mortgage Hunters

Shopping around for a mortgage? Trying to find just the right mortgage that fits YOUR personal circumstances can take an age. Regardless if you are a first time buyer or an experienced mortgage-hunter, getting the right advice and assistance will be crucial in achieving the best deal for you.

GO4 independent brokers have many years experience dealing with all types of mortgages and constantly monitor the market for new or improved mortgage products.

We have not quoted any MORTGAGE RATES on this page because the % rate you get your mortgage at is only half the story. GO4 independent brokers look in to the WHOLE package to make sure special offers are honored and we present exactly the right deal for YOU.

Use our Online Enquiry Form to receive a NO OBLIGATION illustration of the loan solutions that best suit YOUR needs and circumstances.

Standard Variable Rate
Lenders adjust their standard variable rates as the Bank of England increases or decreases rates. This type of mortgage is often taken out in conjunction with other offers such as cashbacks.

Fixed Rate Mortgage
Irrespective of fluctuations in interest rates, your monthly repayments remain the same throughout the period of the fixed rate. However, you do not benefit from any reduction in the lender's standard variable rate.

Discounted Mortgage
With a discounted mortgage lenders offer a discount on the standard variable rate for a specified term. The savings from discounted mortgages can be considerable although you have no protection against increases in interest rates and may find that an increase takes you over your budget.

Capped Mortgage
Capped mortgages enable you to place a limit on your monthly mortgage commitment and still benefit from falls in interest rates.

Cashback Mortgages
A mortgage that provides you with an amount of cash at the outset of the mortgage. In return you usually agree to pay the variable rate charged by the bank or building society, for a specified term. Some lenders offer cashbacks in conjunction with other offers such as discounts or fixed rates.

Flexible Mortgage
The borrower pays off all or part of their mortgage without paying a penalty. Payment holidays can be taken during the year and extra funds are normally available via a drawdown facility. As with a standard variable or discounted variable mortgage the interest rate can fluctuate and is not fixed at the initial rate of interest.

GO4 independent brokers are experts at finding and arranging the BEST possible deals for our clients from a wide range of lenders subject to their personal circumstances. 

Use our Online Enquiry Form to receive a NO OBLIGATION illustration of the loan solutions that best suit YOUR needs and circumstances.

THIS FORM REQUIRES ALL FIELDS MARKED BY * MUST BE FILLED OUT CORRECTLY

•  A mortgage broker does most of the work that a direct lender does and therefore receives a discounted "wholesale" rate from the lenders s/he works with.  GO4 independent brokers will not generally cost more than working with a direct lender.

• Where a loan or mortgage (status or non status) is declined by the intended first lender of choice, or when that lender imposes conditions that are judged to be unworkable, GO4 independent brokers repackage the mortgage or loan file and easily submit the loan or mortgage to another lender within a day or two. 

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The worst we can do, is match the best you've been offered.

Commercial | Residential | Buy To Let | Re-mortgages
NON Status & CCJ | Home Owner Loans | Self Build, Renovation & Conversion Mortgages
Equity Release Mortgage | Right to Buy Mortgage

FREE Loan Status Checker

CLICK HERE - IF YOU'RE LOOKING 4 A NON STATUS HOME OWNER LOAN

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A LOAN SECURED ON IT

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.