Care Financials

Our Mortgage Products

Mortgage Broker in England

Finding the right mortgage products is one of your most important financial commitments. This process can be challenging if you do not think of seeking professional mortgage advice.

You will find many mortgage advisors around you, but you must be witty when choosing the one as a mortgage advisor should offer you a hassle-free service. At Care Financial Services, our mortgage advisors will provide you fee free and hassle-free service. 

We will be there to guide you through the whole journey. Our service doesn’t just provide you with professional mortgage advice; we are here to help you through the entire process, ensuring you get the right mortgage that best suits your needs. 

Unlike most banks and building societies that offer their products, our advisors offer a comprehensive range of mortgages across the market.

NOTE: We work, as introducer, with a number of reputed, well-established mortgage brokers to offer mortgage services at the best possible rates who will assist you in finding the ideal home and securing the right mortgage by utilizing their in-depth expertise in estate agency mortgage services.

Our Mortgage Products Range

We understand the property market as a whole and have a complete range of mortgage products to help you choose the best option for you. Our thorough market knowledge will help you in your house-buying process right through to completion if required.

Giving Future To Your Living

Stress-Free Advice

Our friendly & personable advisors offer you a free impartial mortgage advisory service from start to finish.

Market Flexibility

We ensure we'll find the best deal available for your circumstances regardless of which lender it comes from.

Choose your Mortgage

Our experienced financial advisors compare over numerous mortgage products to find the one best suited to your needs.

Quick and Simple

We can avoid many of the delays often encountered when searching for your own loans and get things processed quickly.

Why Care Finacial Services

Care Financial Services is an organisation that puts its customers first. We try to give our customers the most honest and open advice. Our expert mortgage advisors will help you every step of the way to help you find the best mortgage products. At Care Financial Services, the customer is the boss. Hence we will facilitate you with everything you need at every stage of the process to help you secure your first mortgage that suits your situation the best. Considering everything, our advisors will not leave you hanging if you cannot confirm your mortgage deal. We will show you the right course of action to improve your chances of securing the perfect mortgage in the future.

Frequently Ask Questions

If you have a question that deals with clients, customers or the public in general, there is bound to be a need for the FAQ page.


A first-time buyer mortgage is a type of mortgage that has been formulated specifically for those who are trying to make their first step into the property market, whether by buying a new house or making your first ever property investment. A range of deals is available for first-time buyers and incentives such as cash-back schemes. Some companies may even offer you 95% mortgages under which you are only required to pay a 5% deposit, and in rare cases, there is no deposit at all. It is essential to remember that with such incentives, there is always a strict affordability criterion you must qualify.

The scheme is designed to help first time home buyers who cannot afford other loan-to-value mortgages due to having an insufficient deposit.

The amount an applicant can borrow is directly linked to the expected rental income. Lenders tend to stress the rental income being at least 25-30% more than the mortgage payments. The LTV (loan to value) determines how much can be borrowed, which is the percentage of the price of the property that your lender is willing to give you. The LTV can be up to 95% of the property value on a standard mortgage. However, BTL properties tend to have a lower LTV, which can be up to 75%. This further means that the applicant will need at least a 25% deposit, alongside funds that may be needed for other payments such as fees and money to get the property ready for the tenants.

A remortgage is when you decide to modify your existing mortgage contract for another one, either by switching it to a different lender or moving to different rates with your existing lender. When your current mortgage deal is near to ending the initial interest rates are also expired so you will be regressed to the lender’s standard variable rate (SVR) which is likely to be higher. In this case, remortgaging can be a good choice to move to lower interest.

Before you can use the right-to-buy scheme, there is a specific eligibility criterion you have to meet, which includes the following

  • It is essential that you are residing in the property as your primary and only home. 
  • The property must be only for you and your family; no spaces should be shared with any outsider. 
  • There must be a secure contract existing between you and the landlord.
  • It would help if you had a public sector or council landlord for at least three years (it doesn’t need to be three years in a row).
  • You should be clear of any lawful issues or debts. 

Commercial and residential mortgages work more or less the same way; however, there are a few differences: 

  • Any estate that is used for security can only be used for commercial use or a mix of both commercial and residential purposes. 
  • You can not get a commercial mortgage on a fixed rate 
  • Commercial businesses usually come with a higher interest rate and higher risk than residential mortgages. 
  • In a commercial mortgage, the DIP (decision in principle) is always a verbal commitment. 
  • The time frame of a commercial mortgage is between 5-12 weeks which is much more than a residential mortgage.


The content on this page is based on our understanding and knowledge at the time of publication. It may be subject to change and may not be applicable to your circumstances, so should not be relied upon. Please contact us if you require further information about the content included on this page.

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