Flexible Finance Online Mortgage Brokers. Mortgage APR's Explained. Call 0800 0112948

What are APRs on Mortgages

In order to make it easier for people to compare differing rates of interest, the Government introduced the concept of the APR which is an abbreviation for the phrase "Annual Percentage Rate of Charge".

The APR represents the total cost of credit and takes into account all the added costs such as valuation fees, lender's conveyancing charges etc which are not included in the nominal rate of interest. Until April 2000 it was possible for different organisations to calculate APRs in various ways. The government has now standardised the practice of calculation so that the APR reflects the cost of borrowing over the total term of the loan and inclusive of any concessionary rates that may be applicable in the early stages.

So, why use a mortgage broker?

Because we will help you save your time, your effort and your money!

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John is fully CeMAP qualified mortgage advisor. He can help you to find the best mortgage for your home, your buy to let portfolio, your holiday home, your overseas property, etc.
--	Personal visit to your home at a time to suit you .
--	Fully qualified advisor so you can be confident you will get the RIGHT mortgage for yout.
--	Call 07831629483 for an appointment .

Hopefully all required documents will be there by tomorrow. “ Mr **** you have a very good Broker”.
- Message from the estate agent.

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--	Debt Consolidation
--	Reduce Outgoings
--	Reduce Risk
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--	Debt management Plans. Allow you to make the repayments you can realistically afford once essential living costs have been taken into account. Will depend on the individual circumstances.
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YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

John Roberts is an Appointed Representative of Heron Way Associates Ltd which is authorised and regulated by the Financial Services Authority for regulated mortgage and insurance business only. Heron Way Associates Ltd is entered on the FSA register http://www.fsa.gov.uk under reference 488288.
The Mortgage information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.