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Mortgage Advice

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First time buyers
Remortgages
Self employed
Buy to let
Right to buy
Help to buy

Ideal finance solutions for home owners & landlords

Mortgage Solutions perfect for you
& your current personal circumstances

Mortgage Solutions perfect for
you & your current personal circumstances

Mortgage Solutions perfect for you & your current personal circumstances

Helping people find mortgages via your local mortgage adviser that work for them is my business. I am an expert in the field and have helped many families get into their first homes, pay off credit card debts or car loans with positive results! Helping people find mortgages via your local mortgage adviser that work for them is my business. I am an expert in the field and have helped many families get into their first homes, pay off credit card debts or car loans with positive results! Helping people find mortgages via your local mortgage adviser that work for them is my business. I am an expert in the field and have helped many families get into their first homes, pay off credit card debts or car loans with positive results! mortgage adviser mortgage adviser mortgage adviser mortgage adviser mortgage adviser 

Mortgage advice can be overwhelming, whether you’re a first-time home buyer or an experienced homeowner. At Woods & Wallace Ltd, we take the stress away from moving home for you! Our team of experts will guide you through the process, every step of the way. We’ll help you find the best mortgage rates, figure out your affordability, and answer any questions you have along the way. We’re here to make your home buying experience as seamless and stress-free as possible.

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Mortgage consultations

We’re available for consultations if you are unsure if you can get a mortgages, or  have complex circumstances

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Here at Woods & Wallace Ltd we can offer expert advice and guidance on any size property portfolio

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We’re here to walk you through every step, from initial mortgage enquiry, right until you get the keys to your new home
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regulated by the Financial Conduct Authority

What type of mortgages can we offer?

Whether you are wishing to change your existing mortgage to a more competitive deal, you have an upcoming re-mortgage due, you’re a first time buyer or wanting to arrange a buy to let mortgage – there is a suitable solution.

With this kind of interest rate deal your payments will move up and down with the lenders own mortgage interest rate which is normally driven by the Bank of England’s base rate.

A variable rate loan with an interest rate that’s set either above or below the Bank of England or some other base rate mechanism set independently from the lender. Your mortgage payments will track that rate. In other words your payments will move up and down as that rate changes.
Your payments will be set at a certain level for an agreed period. At the end of that period it will usually move to your lenders standard variable rate.
Your mortgage payments will go up and down but you will enjoy a discount on the lenders standard variable rate for a set period of time. Sometimes two or three years. At the end of this time you will normally move on to the lenders standard variable rate.
Your payments will be variable and linked to a base rate, but fixed not to go above a certain level (the cap or sometimes called ceiling) during the period of the deal. At the end of the agreed period you will normally move to the lenders standard variable rate.
Sometimes used in conjunction with a capped rate and/or a tracker, your payments are variable but will not fall below a certain level known as the collar.
Insurance mortgage adviser Happy Gay Couple in Love Having Healthy Breakfast and Playing wi
Insurance mortgage adviser Happy Gay Couple in Love Having Healthy Breakfast and Playing wi

regulated by the Financial Conduct Authority

What type of mortgages
can we offer?

What type of mortgages can
we offer?

Whether you are wishing to change your existing mortgage to a more competitive deal, you have an upcoming re-mortgage due, you’re a first time buyer or wanting to arrange a buy to let mortgage – there is a suitable solution.

With this kind of interest rate deal your payments will move up and down with the lenders own mortgage interest rate which is normally driven by the Bank of England’s base rate.

A variable rate loan with an interest rate that’s set either above or below the Bank of England or some other base rate mechanism set independently from the lender. Your mortgage payments will track that rate. In other words your payments will move up and down as that rate changes.
Your payments will be set at a certain level for an agreed period. At the end of that period it will usually move to your lenders standard variable rate.
Your mortgage payments will go up and down but you will enjoy a discount on the lenders standard variable rate for a set period of time. Sometimes two or three years. At the end of this time you will normally move on to the lenders standard variable rate.
Your payments will be variable and linked to a base rate, but fixed not to go above a certain level (the cap or sometimes called ceiling) during the period of the deal. At the end of the agreed period you will normally move to the lenders standard variable rate.
Sometimes used in conjunction with a capped rate and/or a tracker, your payments are variable but will not fall below a certain level known as the collar.
mortgage adviser Man Carrying Woman Over Threshold Of Doorway In New Home

Providing you with finance options

Combination of Both Interest & Repayment Mortgage

In some instances you can arrange to have a combination of the two options above, whereby part of your loan can be arranged on a repayment basis and part on an interest only. Choosing a repayment or interest only is only part of your decision regarding your mortgage. You also need to decide on the type of interest rate deal to consider. The different types of interest rate deals are explained below:
Here, the payments you make to your mortgage lender each month consist of both interest and an amount towards reducing the amount of the loan. So each month you are paying off a part of the mortgage. The advantage being this is a very clear and simple approach. You can see your mortgage getting smaller. In the early years most of your payments will go towards funding the interest element.
As the name suggests your monthly payment to your mortgage lender only pays the interest charges on your loan. You are NOT reducing the amount of your loan. It is very important for you to arrange another way to repay the loan at the end of the term. For example, an investment or a savings plan. Your debt is not going to reduce so you need to check on a regular basis that your investments or savings are on track to repay the loan at the end of the term.
mortgage adviser Man Carrying Woman Over Threshold Of Doorway In New Home

Providing you with finance options

Combination of Both Interest
& Repayment Mortgage

Combination of
Both Interest & Repayment Mortgage

In some instances you can arrange to have a combination of the two options above, whereby part of your loan can be arranged on a repayment basis and part on an interest only.

Choosing a repayment or interest only is only part of your decision regarding your mortgage. You also need to decide on the type of interest rate deal to consider. The different types of interest rate deals are explained below:

Here, the payments you make to your mortgage lender each month consist of both interest and an amount towards reducing the amount of the loan. So each month you are paying off a part of the mortgage. The advantage being this is a very clear and simple approach. You can see your mortgage getting smaller. In the early years most of your payments will go towards funding the interest element.
As the name suggests your monthly payment to your mortgage lender only pays the interest charges on your loan. You are NOT reducing the amount of your loan. It is very important for you to arrange another way to repay the loan at the end of the term. For example, an investment or a savings plan. Your debt is not going to reduce so you need to check on a regular basis that your investments or savings are on track to repay the loan at the end of the term.

Check Out The FCA Mortgage Calculator:

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We make it so easy!

Our simple Mortgage process...

Our Initial Discovery Meeting
You'll have an initial discovery meeting with one of our expert brokers either via phone or in-person to discuss your requirements and how we can help you on your property journey.
Book a meeting
You'll Need to submit
your documents
We ask for documentation from you such as proof of income, ID, payslips etc. (don't worry, we will give you a list of what we need!).
Submit your documents
we give advice on the best product for you
We'll then go and research the market for the most suitable overall product for you, taking in to account the mortgage rates, affordability, set up costs, amount of deposit, and credit status, finding mortgage lenders which are suitable.
Apply for your mortgage
& get ready to move
Once we've found your perfect mortgage, we'll submit your application to the chosen lender, and await their approval keeping you informed of any updates on your application status.
Arrange Property Insurance
Your mortgage is ready and in place, ready for your big moving day! Whilst all the excitement is in the air, its easy to forget some must do tasks; setting up insurances
Property insurance
STEP 01
STEP 02
STEP 03
STEP 04
STEP 05
STEP 01
Our Initial Discovery Meeting
You'll have an initial discovery meeting with one of our expert brokers either via phone or in-person to discuss your requirements and how we can help you on your property journey.
Book a meeting
STEP 01
STEP 02
You'll Need to submit your documents
We ask for documentation from you such as proof of income, ID, payslips etc. (don't worry, we will give you a list of what we need!).
Submit your documents
STEP 02
STEP 03
we give advice on the best product for you
We'll then go and research the market for the most suitable overall product for you, taking in to account the mortgage rates, affordability, set up costs, amount of deposit, and credit status, finding mortgage lenders which are suitable.
STEP 03
STEP 04
Apply for your mortgage & get ready to move
Once we've found your perfect mortgage, we'll submit your application to the chosen lender, and await their approval keeping you informed of any updates on your application status.
STEP 04
STEP 05
Arrange Property Insurance
Your mortgage is ready and in place, ready for your big moving day! Whilst all the excitement is in the air, its easy to forget some must do tasks; setting up insurances
Property insurance
STEP 05

Have you been refused or think you can't get finance?

Speak with us to discuss
your tailored options

Speak with us to discuss your tailored options

mortgage broker hinckley

106 Castle Street, Hinckley LE10 1DD.

E: [email protected]
T: 0333 023 5799

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A Protection plan will have no cash in value at any time, and will cease at the end of the term. If premiums are not maintained, then cover will lapse and you may not be covered if a claim is made. Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £599. As with all insurance policies, conditions and exclusions will apply. Woods & Wallace Ltd is an appointed representative and are a Directly Authorised Firm which is authorised and regulated by the Financial Conduct Authority. As with all insurance policies, Conditions and Exclusions will apply. You may have to pay and early repayment charge to your existing lender if you remortgage. Not all Buy to Let mortgages are regulated by the Financial Conduct Authority. Woods & Wallace Ltd is registered in England and Wales, No. 12557495 Registered address; 72 Shilton Road, Barwell, Leicester, England, LE9 8BN.

A Protection plan will have no cash in value at any time, and will cease at the end of the term. If premiums are not maintained, then cover will lapse and you may not be covered if a claim is made. Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £599. As with all insurance policies, conditions and exclusions will apply. Woods & Wallace Ltd is an appointed representative and are a Directly Authorised Firm which is authorised and regulated by the Financial Conduct Authority. As with all insurance policies, Conditions and Exclusions will apply. You may have to pay and early repayment charge to your existing lender if you remortgage. Not all Buy to Let mortgages are regulated by the Financial Conduct Authority. Woods & Wallace Ltd is registered in England and Wales, No. 12557495 Registered address; 72 Shilton Road, Barwell, Leicester, England, LE9 8BN.

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Woods & Wallace Ltd © 2023.
Designed & built by 22 Century Design Ltd

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