Mortgage Services
Mortgages
Residential Mortgages
We help you secure the right residential mortgage tailored to your needs. Whether you’re buying your first home, moving to a new property, or looking to refinance, our team works with a wide range of lenders to find competitive rates and a quick service. We simplify the mortgage process, guiding you every step of the way so you can focus on finding the perfect home while we handle the details.
Buy to Let Mortgages
Looking to invest in rental property? Our buy-to-let mortgage solutions are designed for landlords whether you’re just starting or expanding your property portfolio. Get expert advice and competitive rates tailored to your goals. * Simple application process with expert support * Limited company and personal name applications * Repayment and interest only options * Competitive interest rates
Commercial Mortgages
Looking to purchase, refinance, or invest in business property? Our commercial mortgage solutions are tailored to support a wide range of needs, from offices and retail units to warehouses and mixed-use buildings. We partner with specialist lenders to secure competitive terms that work for your business growth. * Access to high street banks and specialist commercial lenders * Flexible repayment structures to match your business cashflow * Competitive interest rates and terms
Bridging Loans
Need fast funding for a property purchase or investment? Our bridging loan solutions are ideal for short-term needs like property chains, auction purchases, or refurbishment projects don’t let timing delay your plans. Speak to a team member today. We work with top bridging lenders to offer: * Exclusive interest rates * Quick decisions * Fast access to funds * Flexible terms and repayment options
Interest-Only Mortgage
We provide Interest-Only Mortgages for clients who want flexibility with their monthly payments. With this option, you’ll pay only the interest on your loan for an agreed period, which means your repayments are lower compared to a standard repayment mortgage. * Opportunity to free up cash for other investments or lifestyle needs * Greater flexibility if you expect your income to rise in the future. * Ideal for property investors who plan to sell or remortgage later.
Right to Buy / Council Mortgage
We help council tenants take the exciting step of becoming homeowners through the Right to Buy scheme. If you are renting your home from the council or a housing association, you may be eligible to purchase it at a discounted price. Our mortgage advisors are here to guide you through every stage from checking your eligibility, securing the right mortgage, to making the process smooth and stress-free. * Purchase your home at a discounted price, often below market value. * No need for a large deposit in many cases, the discount can act as your deposit. * Build equity in your property instead of paying rent.
Second Charge Mortgages (Second Charge Service)
A second charge mortgage allows you to release equity from your property without remortgaging your existing deal. This is ideal if you already have a competitive interest rate on your current mortgage and want to avoid early repayment charges. At Mortgages and Money, we specialise in helping clients access additional funds while keeping their existing mortgage intact. Whether you’re looking to consolidate debt, fund home improvements, or raise capital for business or personal needs, we work with a wide panel of lenders to find the right solution for your circumstances.
International Mortgages – Cape Town
Mortgages and Money provides tailored mortgage solutions for clients looking to invest or purchase property in Cape Town, South Africa. Whether you’re a UK-based investor, expatriate, or foreign national, we understand the complexities involved in international property finance. With our specialist knowledge and lender network, we help simplify the process of securing a mortgage for property in Cape Town, ensuring compliance with local and international requirements.