Types of mortgage

'Our remortgage saves us a bundle every month, nice one!

Here's a quick guide to some of the options and how they work. It couldn't be simpler.

To help you understand more take a look at our Mortgage Jargon Buster.

Standard Variable Rate Mortgage
With a Standard Variable Rate Mortgage, interest rates can go up and down. So your mortgage payments also go up and down. Customers benefit from being able to pay lump sum mortgage payments which will reduce the outstanding balance - this reduces the amount you pay in overall interest.

Fixed Rate Mortgage
For a more predictable mortgage solution, go for a rate that's set for a fixed term period. The shorter the time period the lower the rate you'll have to pay. It makes budgeting easier (particularly in the early years) as you always know what you'll be paying each month. Early repayment charges can apply.

Save by re-mortgaging
It's possible that your mortgage payments are too much with the deal you already have. And remortgaging with our help is really straightforward. Let our Mortgage Advisor see how much we could save you each and every month.

Home improvement
You don't have to move home to benefit from our money-saving expertise. Whether looking to build a roomy extension or fit a dream kitchen, we can help make it happen.

Buy to let opportunity
Buying somewhere to rent out is increasingly popular (it can be a regular income as well as an investment for the future). Let us help you work out if it's right for you.

First-time flyers
Get home-owning off to a flying start with our help. We'll guide first-timers every step of the way. Let those in the know give you a handy leg up that property ladder.

Having trouble getting a mortgage?
Occasionally, customers say they have had trouble getting a mortgage elsewhere. Thankfully, we're different. So whether you've had problems because you're self-employed or have had difficulties like CCJs or previous mortgage arrears, don't worry. Let's talk. We don't want to say no to anyone. We have everything from self-certified mortgages to adverse credit mortgage loans. So more often than not, we can help. What's more we won't charge you a fee for the privilege.

Found anything you are interested in? Fill out our mortgage enquiry form. Let us do the hard bit.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

The overall cost for comparison is 5.7%. The actual rate will depend on your circumstances. Ask for a personalised illustration.

The Financial Services Authority does not regulate some forms of commercial and Buy to Let mortgages.

Moneyway is a trading name of Secure Trust Financial Services ltd, a division of Secure Trust Bank plc. Registered in England and Wales Registered No: 541132.