Mortgage information

Mortgage brokers and lenders

As fun as it is searching for a house to buy, it is a time-consuming process – you may not have enough time finding the best mortgage!

We have a good working relationship with some carefully selected mortgage brokers that have an excellent track record of finding our clients the best mortgages for them.

Which Mortgage suits you best?

Variable rate mortgage: A mortgage with a variable interest rate that changes to reflect market conditions.

Fixed-rate mortgage: A loan with a fixed interest rate that does not alter over the life of the loan.

A tracker rate mortgage is a form of variable rate mortgage that adjusts based on the movement of another rate. The Bank of England Base Rate is the most widely followed rate.

Offset mortgage: You can connect your mortgage to your savings with an offset mortgage. The interest rate on your loan is reduced by your savings balance. Your savings are subsequently “offset” against your loan balance, and you only pay interest on the balance of your mortgage minus your savings.

Sharia-Law Compliance Home Purchases: Sharia-Law compliant property purchase programmes assist you in purchasing your desired home without incurring interest payments.

The average mortgage length is 25 years; however, it might be shorter or longer. Until the loan is paid off, it is ‘secured’ against the value of your home.

If you don’t make your payments, your lender has the right to repossess (take back) your home and sell it to recoup their losses.

You can apply for a mortgage directly with a bank or building society, or you can employ a mortgage broker or independent financial adviser (IFA) to compare various mortgages available.

The lender or mortgage broker will conduct a thorough investigation and detailed affordability assessment, for which you will be required to give proof of your income and precise expenditures, as well as financial stress tests.

Please fill out the form below and one of our mortgage consultants will call you to assist you with financing your dream home:

Request Mortgage Information

1 Step 1
Mortgage Information
FormCraft - WordPress form builder

Register With Us

Finding your next dream home can be exciting but it will most definitely also be very time consuming. But you have no need to worry. Tell us what you’re looking for in your next home and we’ll do all of the hard work for you. After you’ve registered with us you can put your legs up and relax and wait for an e-mail/text confirmation from us once we find the perfect home for you.
Whether you’re looking to rent or buy,

Click here to register to buy
Click here to register to rent


Free Valuation

Finding out how much your property is worth is the first step in selling or letting your property. Or you may just want to know how much your house is worth. A Ryan Baker Estate Agents property professional will be delighted to come to your property at the most convenient time for you to give you an accurate and free valuation.

Click here to arrange a valuation



Choosing the right Estate Agent is crucial in ensuring your property search/let/sale goes as smoothly and hassle free as possible. We believe we are the right Estate Agents for you.

With almost a decade of expertise in property and two decades in finance, you can be sure you will be provided with a professional, respectful and, most importantly, a personal service as you make your next big life decision.

But don’t take our word for it, take theirs.

See our client reviews


Mortgage Information

Which mortgage is best for you? We work alongside independent local mortgage brokers to ensure that all your financial needs are catered for, helping to save you the hassle and time of shopping around yourself.

Click here for more information