125% Mortgages

Looking for a 125% Mortgage ?

125% mortgages are no longer available

125% Mortgages are loans that cover the full value of your property plus an extra 25% over and above the property value. These usually work as a 95% mortgage with up to 30% available as an un-secured / personal loan on top. The un-secured loan element will usually be at the same interest rate as your mortgage interest rate, which may be a beneficial rate compared to separate un-secured loan rates.

The key benefit(s) of a mortgage that will cover more than the value of your property, is that extra money may be borrowed to cover the fees / costs associated with purchasing a new property eg. solicitors fees, valuation fee, removal costs, furnishings, and stamp duty.

125% mortgages may not be suitable for everybody's needs. Although only 95% may be secured on the property, in a falling property market you may end up owing more than the value of your property i.e. a "Negative Equity Situation". You should obtain professional advice before deciding on which type of mortgage is most suitable for your needs. Borrowers should check that they can afford the repayments because of the size of debt they might be entering into.

To help you find the most appropriate 125% Mortgage deal available to you, we believe that it is of great importance to obtain Independent Financial Advice from a Independent Mortgage Adviser, who works for you - not for a panel of lenders.

We believe the Best advice is Independent Advice

- mmediate mortgages always helping you make the right moves

Independent mortgage introduction service

e-mmediate mortgages provides a Mortgage Introducer Service and is
operated by Hello Finance Ltd.

Hello Finance Ltd is an 'introducer' of clients to regulated Independent Mortgage Advice companies and may receive a introductory fee from the mortgage broker for such a service.

Please note that the mortgage broker may charge a fee or receive a commission from the lender. These charges are not usually made until you have requested the mortgage application process to begin. The mortgage broker should advise you of all charges before you are required to make any commitment.

The content of this website in 'information' on the services that are offered by our partner advice companies. The content of this website must not be taken or used as 'advice' on the type of mortgage that is most suited to your needs. Hello Finance Ltd hold no responsibility for any advice given by our partner companies.

Registered Office:
Hello Finance Ltd 7 Fidlas Road Llanishen Cardiff CF14 0LW