As a first time buyer, mortgage hunting can seem a little daunting – but not with B-Spoke Mortgages.

We’ve already checked out the first time buyer mortgage market, finding the best introductory offers, the lowest interest deals and the most flexible options – all from reputable lenders.

Moving home is a great time to see what other mortgage lenders can offer you.

As Independent Mortgage Brokers we can research thousands of deals from the UK’s leading lenders to find you the right mortgage at the best rate.

Millions of people are realising they could save money with a remortgage.

Simply switching lender or finding a better deal with your existing lender – could significantly cut your monthly outgoings. Our remortgage service enables you to find the right option, so why not contact us to see how much you could save?

Buy to let mortgages are very popular: The UK Buy-to-let mortgage market has expanded dramatically over the last 5 years, and lenders are now much more geared up to provide competitive deals.

If you’re thinking about buy to let mortgages, whether it’s your first investment or you’re a seasoned private landlord, contact us and we will use our online search facility to find you the best option.

If you have one or more buy to let mortgages and you want to maximise your income, buy to let remortgaging – switching lenders or finding a new product with your existing lender - is well worth investigating.

Our buy to let remortgage service enables us to search for the best options and to find out if you could improve the return on your investment. The right product could potentially transform the profitability of your buy-to-let properties.

This provides a guarantee of how much you will pay each month for the period of your deal. The interest rate and therefore your monthly payment will not go up or down regardless of changes in the base rate.

For a set period the rate you pay undercuts the lender’s normal rate – but still goes up and down with the base rate.

This guarantees, that although your monthly payments may fluctuate, you always pay less than the lenders normal rate.

The rate you pay is guaranteed not to rise above a certain set interest rate for a specified period but you benefit if the base rate falls.

This is linked to the Bank of England base rate. So whenever the bank rate falls or rises your mortgage payments will follow, up or down, by a set amount.

Some lenders in conjunction with another type of deal i.e. discounted rate will offer a cash sum to be paid to you when your mortgage completes.

A true cash back is where you take a cash sum up front and pay the banks normal rate in lieu of reduced payments.