We are a leading provider of impartial mortgage advice in London and the South East. We specialise in large mortgage loans for residential property, buy to let property, residential developments and commercial property. In addition to high street lenders, we have comprehensive links with private banks, boutique lenders and offshore banks. All of these lenders have an appetite for larger, more complex mortgages. Working with these financial institutions we are dedicated to finding our clients the best possible mortgage interest rates available and a product that is most suited to their needs.

Contact Us

To discuss your mortgage requirements with one of our fully qualified professional advisers, please call us now

0203 432 1423

Summit Capital Mortgages LLP
Warnford Court, 29 Throgmorton Street
London, EC2N 2AT

Or click here for more contact options.

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Residential Mortgages

Despite the turmoil in the mortgage market over the last few years there are still thousands of different mortgages available through high street lenders and private banks.

With such a choice still available, you need to work with a broker that you can trust. Summit Capital Mortgages specialises in arranging bespoke mortgages based on analysis of the entire market, taking an impartial view on your behalf. We understand that your mortgage may be the biggest financial commitment you take on in your life, and we endeavour to find a solution that fully suits your needs and your financial position.

Unlike many brokers, we have established relationships with key lenders, including those that do not have a high street presence. We also have access to products that may not be available elsewhere on the market. Once the mortgage application has been submitted to the lender, we manage the process through to offer and liaise with your solicitor, so as to minimise any delays in your purchase or remortgage.

Here is a quick summary of things to consider when arranging your mortgage:

Repayment Type

Capital Repayment - a mortgage in which monthly charges are used to repay the interest and to reduce the outstanding capital.

Interest Only Mortgage - a type of mortgage in which the borrower repays only the interest on the loan for the duration of its term, and repays the full loan amount at the end of the mortgage period. There has been a lot of criticism of interest only mortgages in the last few years and, as a consequence, many lenders have tightened up their criteria or stopped lending on that basis. However, there is still a place in the market for interest only mortgages and we will be able to advise you which lenders are still open to this kind of business.

Interest Rate Options

Fixed Rate - A mortgage under which the rate of interest has been fixed for a specified period of time. This will usually be between 2 and 5 years, with the advantage being the certainty that it provides to the borrower.

Tracker Rate - A type of mortgage whereby the rate of interest charged tracks another specified interest rate, for example the Bank of England Base Rate.

Discounted Rate - With a discount mortgage you initially pay a rate of interest that is a set amount below the lender's standard variable rate (SVR), for a specified period of time, after which you revert to the SVR.

If the lender's SVR is 5% and the discount is 2%, for example, the interest rate you will pay is 3%.

To learn more about these products, simply call one of our consultants on 0203 432 1423 or click here for more contact options.