This will depend on the lender and the mortgage you choose. A personalised illustration will give you details of any early repayment charge.

If you are looking to remortgage it is very possible that MORTGAGES 4 U LTD may be able to reduce your monthly mortgage payment or your overall monthly outgoings if you release some equity for debt consolidation. This is dependent on many factors however, so the easiest way to find out if MORTGAGES 4 U LTD may be able to save you money is to call us for a free quote or enquire online.

As long as it's legal, you can use the funds raised by your remortgage to start a business, go on holiday, buy a car, consolidate debt, pay for cosmetic surgery, or anything else really.

We will treat all cases sympathetically and do have mortgages schemes which may allow for unlimited arrears or CCJs. The easiest way to find out if we can help is to give a call or enquire online for a quote.

MORTGAGES 4 U LTD (UK) Ltd are authorised and regulated by the FSA who are the statutory regulator of all mortgage lending and administration in the United Kingdom. If you would like verification of our authorised status, the FSA has a list of all firms that are authorised and regulated by them. The MORTGAGES 4 U LTD (UK) Ltd reference number is 300788. You can check MORTGAGES 4 U LTD authorisation on the FSA Register by visiting the FSA website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

The minimum mortgage advance is £10,000. The maximum loan you could apply for depends on several factors which include: the value of your house, your income and your credit history. Please use our borrowing calculator for more info.

The average time it takes to complete your mortgage is 4-5 weeks, however we have completed some mortgages in under 7 days!

We have several schemes in which you can self certify your income. For more information please click here.

In order to buy your council property under the Right to Buy scheme, you need to have been a council tenant for a qualifying period of 2 years (or 5 years for new tenants after the 18th of January 2005). For more information, please visit our Right to Buy Mortgage page.

MORTGAGES 4 U LTD has several schemes that are designed for people wishing to buy a commercial property such as a shop or office space. For more information visit our commercial mortgage page or give us a ring!

For a list of all the information MORTGAGES 4 U LTD will need to give you a clear and accurate quote please click here.

With an interest only mortgage you only pay the interest charge each month. With a repayment mortgage the payments you make are calculated to include paying off the loan by the end of the term. For a more detailed explanation please visit our Which Mortgage is Right for Me? page.

The mortgage rate you qualify for depends on many factors such as your credit history, the size of your deposit etc. To find out what kind of deals you may qualify for, please call us for a free quote or enquire online.

This is entirely your choice. We have regional sales professionals that can visit you to explain the products and services on offer and help you complete the forms. Alternatively if you do not want a representative to call then we will deal with your enquiry by telephone and post. Remember we are working on your behalf and it is not in our interest to pressure our customers into a product that does not suit their circumstances.

Where necessary, to research your mortgage options we will disclose information to our agents, product providers, regulatory bodies and auditors. For certain products we may search the files of credit reference agencies who will record the search. This information may be shared with other credit grantors and used for credit decisions and when necessary fraud prevention. Your details are strictly in-confidence and our enquiries will not affect your credit status. Click here to view our privacy statement.

We will only contact your employer with your written consent. We can usually avoid the need to contact your employer if you provide us with your last 3 months’ wage slips. If you are self employed and can’t prove you income we can help you self certify.

We will only contact your existing lender with your written consent. We can avoid doing so if you have an up-to-date statement of your account that includes a full settlement figure.