Mortgage Guide

Common mortgage types


Whether you are a first time buyer or moving up the property ladder, we offer advice on a range of products that will meet your needs and requirements.


Many people regularly re-mortgage to keep their monthly payments at a competitive level. You may be able to replace your existing mortgage with a lower interest rate product.

If you would like to know more about remortgaging to borrow extra funds for home improvements, debt consolidation, or any other purpose, give Salisbury House Wealth a call to discuss your options.

We keep a close eye on the market to make sure you benefit from the most suitable and cost-effective mortgage choice for you.

Buy to let mortgages

If you are interested in buying to let it pays to do your sums beforehand. The rent you receive will have to cover the interest on the mortgage, plus 25% required by most lenders for their initial assessments.

Lenders have different application requirements, from minimum earnings to minimum rental. We recommend you seek advice from a specialist organisation like Salisbury House Wealth to guide you through the process and help ensure that your lender’s criteria are met.

Overseas mortgages and some buy to let mortgages are not regulated by the Financial Conduct Authority.

Product transfer

Are you planning to stay with the same lender but coming to the end of a deal? In most cases we can re-negotiate your deal on your behalf.

Further advance

We can help if you need to borrow further funds from your current lender. If you are having trouble moving your mortgage from your current lender, we can assess all the options for you.

Foreign mortgages

Looking to purchase a property abroad? We can help. Our sister company, Conti Financial Services Ltd, are specialists in the overseas mortgage market and will help you make the right choice.

Mortgage repayment options

Capital repayment

Monthly payments include interest charged on the amount borrowed and a portion of the capital to repay the mortgage.

If payments are maintained, this route guarantees the mortgage will be repaid at the agreed term end.

Interest only

Monthly payments to the lender are interest only and the outstanding mortgage remains the same.

You make alternative arrangements to repay the capital at the end of the mortgage term.

Mortgage schemes

  • Variable Rate mortgage
  • Fixed Rate mortgages
  • Capped Rate mortgages
  • Tracker Rate mortgages
  • Discounted Rate mortgages
  • Offset mortgages
  • Flexible mortgages
  • Cashback mortgages


Think carefully before securing other debts against your home.
Your mortgage adviser will be happy to discuss with you the most appropriate scheme that meets with your specific needs and requirements.

Your home may be repossessed if you do not keep up repayments on your mortgage.