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Helping to Find the Right Mortgage for You

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The best mortgage deal for you is entirely dependent on your individual circumstances.

Choosing the right mortgage is crucial and our team at MortgageKey will talk you through all of your options, and explain both the short and longer term impact for you and your family.

Why Choose MortgageKey for Comparing Mortgages

Thousands of deals considered

We search and compare thousands of shared ownership mortgage deals to tailor a deal for you

We’re completely independent

We’ve no tie-ins with certain lenders so our focus is solely on finding the best option for you

Pay nothing until completion

We don’t ask for any payment until your shared ownership mortgage deal is complete

Award-winning mortgage and loans experts – ready to help you today

Our team of specialists will guide you through the process of securing a mortgage, buying a home or taking out a loan – finding the very best deals for you and your family.

Mortgage & Loan Guides

Read our experts’ latest advice on a wide range of mortgage options to the tax implications of buying properties to let.

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Infographics

Making mortgages and loans simpler to understand is our key skill, and our infographics do just that!

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Hear from our Clients

Don’t just take our word for it, hear from our happy clients who we have helped through the mortgages and loans process.

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Which Type of Mortgage Shall I Choose?

There are several different kinds of mortgages to choose from and it is important to understand how they will work, given your specific circumstances.

Deposit, your monthly income and expenditure, and the type of property you are buying, must all be taken into consideration, helping to identify the best mortgage type for you.

The main types of mortgage deals are as follows;

Tracker Mortgage Deals

A tracker mortgage tracks the Bank of England interest base rate, applies it, and adds an additional set percentage rate. So, if you select a mortgage deal with a 2.5% set percentage rate from the lender and the Bank of England’s base rate was 0.3%, your payable mortgage deal would be 2.8%. However, if the base rate dropped as low as 0.15%, you would benefit from a reduced monthly mortgage rate. The same of course applies if the base rate rises, making it more costly.

Fixed Rate Mortgage Deals

Fixed rate mortgages bring peace of mind and stability as you know you’ll be paying the same amount each month, regardless of what’s happening to the Bank of England base rate or the property market. A set rate is agreed for a certain period when the mortgage is taken out, typically lasting between two and five years. It is possible to fix it for longer, should you want to, however, it’s advisable to assess the market every so often to see if you can secure a better mortgage deal.

Discounted Mortgages

Discounted mortgages offer an upfront discount off the lender’s Standard Variable Rate (SVR). This is usually for the first few years of your mortgage deal, before it switches back to the SVR. Your lender’s SVR is subject to change, making your payments increase or decrease throughout the term of your mortgage deal.

Capped Mortgage Deals

A capped rate mortgage is a variable rate, so your monthly repayments can fluctuate. However, the rate can be capped so that it will never go above a certain limit. You may choose this mortgage deal, if you are under the impression that mortgage rates will fall, so you can reap the rewards. But, at the same time, you want that added protection, so that there’s a cap in-case they increase.

Offset Mortgage Deals

An offset mortgage uses any savings to reduce the amount of interest you pay overall. Imagine you have a £250,000 mortgage and £45,000 in savings. You can offset these savings against your mortgage so that you only pay interest on £205,000 of your mortgage deal. The savings are still accessible whenever you choose, but that’s what makes rates on offset mortgages slightly higher than standard mortgages.

What our clients are saying

  • Very pleased all staff very helpful. would use again.
    andrew richards
  • excellent service megan was a delight to deal with
    NEIL S
  • easy and very quick,got a good deal thanks
    Mr Whiting
  • Excellent service..
    Olalere
  • I really cannot fault Mortgagekey at all. From start to finish the staff were helpful and gave good advice, as well as keeping me updated with regard...
    marie baldwin
  • Really great efficient service with great product sourced
    Claire Parker
  • We had difficulty obtaining and mortgage and further difficulty completing our remortgage but Mortgage Key supported us every step of they way. They ...
    Laura-Joy Tallett
  • First class,quick,efficient and friendly.
    Paul Galluccio
  • Lots of communication throughout, very efficient company.
    Billy
  • Mortgagekey were fantastic in helping me and my partner with securing mortgage on our new home. Georgia Hardcastle was superb from professional point ...
    Mr T
  • Very fast efficient service
    David
  • Karl Rayne was excellent, he found me a super deal and kept me up to date at every step of the way. Thanks.
    Nicole Varwell
  • Good communication from Mortgagekey, and so far so good, all seems to be going well. Would have no hesitation in recommending Mortgagekey.
    Wendy Wright
  • Wonderful service. As a first time buyer I would not hesitate to recommend. Thank you !!!
    Michael Spaul
  • As always, this is the second time I have used Mortgagekey. Everything is always seamless. There is no stress. Everything ticks along nicely in the ba...
    Catherine Howard
  • Efficient , great customer service and an easy process.
    Leila
  • Excellent service from the guys at Mortgage Key. Callum was amazing. Georgia and Gareth were awesome too. WELL DONE
    Mr Mohammad Razak
  • Excellent Service.
    K Gill
  • Great staff very helpful, they keep you upto date with everything.
    Mr M Shafqat
  • Absolutely amazing couldn’t have asked for a better mortgage company.
    Amy

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