Consumer Finance

Why not apply for expert help to find the best mortgage for you.

We aim to help you find the best mortgage package tailored to your individual circumstances.

Using the information that you supply through our no obligation mortgage enquiry,
a dedicated member of our staff will contact you.

Cosumer Finance will introduce you to a Mortgage Adviser who will directly liaise with you. The Mortgage Adviser will have the relevant professional qualification and will be authorised by the Financial Services Authority.
The adviser will have developed the expertise to provide the required service...**Mortgages for non-status and adverse credit.
**Remortgages to consolidate debt
**100% help for mortgages and remortgages
**High income multiples
**Fast in principle decisions
**High Street Lenders
**Capped, tracker, fixed, discount rates and cashback
**Self employed with no accounts
**Council house purchases and home improvement.

Consumer Finance Mortgage

five years. In general, the shorter the period of the discount, the higher the discounted rate will be. So, for example, if you have a two year discount mortgage, you may get a discount of 1% of the standard variable rate, but a one year discount could be 2%.

Discounted mortgages are recommended for people who prioritise keeping their initial payments as low as possible. Perhaps because it is their first mortgage and their income isn't so high and they want to have some spare cash to spend, perhaps on furnishing their home or on car repayments. The discount period can help you achieve this.

Discount mortgages are excellent for people who are happy to play the system. You should find out whether there will be redemption penalties for changing mortgage after your discounted period has ended. If there isn't, it may benefit you to wait until the end of the discount period then move to another discounted mortgage, hopefully with no overhanging redemption penalties. After that one, you could move again. In fact, assuming the mortgage market stays the same, you may be able to benefit from discounted mortgage for your whole mortgage term.

You should note that if you don't remortgage, and you do nothing after the pre-determined discount period, you will go back to the standard variable rate.

Discount mortgage are very popular, in fact, 60% of new mortgage or remortgages taken out in 2000 were discount mortgages, and almost every provider offers a discount deal. It's perhaps not surprising, when you consider that there are millions of people paying over 7% for their mortgages, it's not surprising that when offered a pay rate of under 4% people will take a discounted mortgage.

So why do lenders offer these discounts, when the payable rate is lower sometimes than the bank of England base rate, or more importantly, lower than the savings rates that they offer? Well, quite simply, it's a marketing ploy. It's no different to any other sales promotion offered by any retailer. They are allowing you to buy the same product but at a discounted price, so that you become their customer. Once you are their customer, they can make it difficult for you to leave, with redemption penalties, and they also have your complete attention and can work on marketing to keep you as their customer.

Consumer Finance Remortgage

More and more UK homeowners are moving their mortgage to save money.

Which is a good thing, considering that mortgage rates have dropped considerably over the last few years. Remortgaging isn't nearly as much hassle as most people think - particularly if you use our online service to search for the best deal for you.
Then a Mortgage Advisers will look after your remortgage for you, making it all even less effort than you first imagined!


Remortgaging is much simpler than buying a new home because the deeds of the property are already registered in your name.
If you choose to change to a different deal with your existing lender, the process is even simpler, and if you do choose to switch to a new mortgage lender, only a few steps are involved. If you choose to remortgage with us, even these few steps involve minimal hassle, since we help manage the process by liaising with mortgage lenders, valuers and solicitors on your behalf. Switch & Save today. Set out above is just a taste of what Consumer Finance can offer you....for more in-depth information about our services, please visit our website, or call

Specialist Services

We focus on high street lenders

Trading Since

1990