When you are choosing your mortgage you need to make two distinct kinds of choice.

First you need to consider which repayment method to go for:

• repayment
• interest only
• combined mortgage

Second you need to consider the different rates and other features on offer. But, the sheer variety of products available could leave you apprehensive and concerned about how to find the best deal for your particular situation.

How Penny Lane Financial Services can help

The amount you want to borrow, the kind of property you are buying, your plans for the future, and attitude to risk will all have
an influence on the kind of mortgage that best suits you.

We'll explore all of these aspects with you. We'll explain the pros and cons of the various mortgage options on offer. We'll discuss what the implications of each would be for you.

Because we are independent we can research the whole mortgage market on your behalf. Our advice and recommendations will be informed by what we know about you, not by any allegiance to a particular lender or product.