Home Mortgage Services

Every borrower is different, and requires a variety of products to meet his individual requirements. The process of securing a mortgage should be simple by offering you the latest in home mortgage services. Home Mortgage Services gives you maximum control over your mortgage repayments. With deals varying from lender to lender, they can help you find the best mortgage for you. With a whole of market choice, we have access to every lender and mortgage provider in the UK - saving you time, money and hassle when trying to arrange a flexible mortgage. If you do find a better deal - we’ll happily refund the difference, AND pay double the difference for the first year.

Mortgage service providers will provide borrowers with the following documents by law:

Truth-in-Lending disclosure.

This disclosure includes a summary of the total cost of credit, such as the Annual Percentage Rate (APR) and other specifics of the loan.

"A Home Buyer's Guide to Settlement Costs."

This guide is a government publication that describes the closing or "settlement" process, associated costs, and your rights.

Adjustable-Rate Mortgage (ARM) disclosure.

This disclosure includes information about terms and costs associated with an ARM, past performance of the index to which the interest rate will be tied, and the "Consumer Handbook on Adjustable-Rate Mortgages."

Annual Percentage Rate (APR) information.

This is the cost of credit expressed as a yearly rate. The APR includes the interest rate, points, broker fee and any other charge you're required to pay in order to obtain your mortgage loan.

Thus a home mortgage services provided by the professional lender helps the borrower to take his decision without any hassle.