Flexible-Finance.COM Mortgage Brokers. Mortgage APR's Explained. Call 0700 5938074

What are APRs on Mortgages

In order to make it easier for people to compare differing rates of interest, the Government introduced the concept of the APR which is an abbreviation for the phrase "Annual Percentage Rate of Charge".

The APR represents the total cost of credit and takes into account all the added costs such as valuation fees, lender's conveyancing charges etc which are not included in the nominal rate of interest. Until April 2000 it was possible for different organisations to calculate APRs in various ways. The government has now standardised the practice of calculation so that the APR reflects the cost of borrowing over the total term of the loan and inclusive of any concessionary rates that may be applicable in the early stages.

So, why use a mortgage broker?

Because we will help you save your time, your effort and your money!

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John is fully CeMAP qualified mortgage advisor. He can help you to find the best mortgage for your home, your buy to let portfolio, your holiday home, your overseas property*, etc.
--	Personal visit to your home at a time to suit you .
--	Fully qualified advisor so you can be confident you will get the RIGHT mortgage for yout.
--	Call 07831629483 for an appointment .

Hopefully all required documents will be there by tomorrow. “ Mr **** you have a very good Broker”.
- Message from the estate agent.

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There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate it will be two hundred and ninety five pounds plus up to one percent of mortgage amount. These are detailed on our terms of business (IDD).

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

OVERSEAS MORTGAGES: CHANGES IN THE EXCHANGE RATE MAY INCREASE THE STERLING EQUIVALENT OF YOUR DEBT

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--	Term Life Insurance
--	Mortgage Life Cover
--	Critical Illness Cover
--	Family Income Benefit
--	Whole of Life Insurance
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--	Buildings and Contents Allow you to get an instant quote for your Home Building and Contents and apply online...
--	Contents Only Ideally suited for tenants wher building cover is not required and stand alone content cover is needed.

The Mortgage information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK. * Some of these products and services are not regulated by the Financial Services Authority