Financial Conduct Authority Number 480802

Personal mortgage

There are many factors to consider when choosing a mortgage. Perhaps the offer with a fixed interest rate for three years that you saw an ad for seems very attractive from a financial perspective, but if the due fees paid in advance are high, so it might turn out that it’s quite expensive in the long run.

That said, costs aren’t the only thing to consider. The flexibility of your mortgage is also of great importance, especially if your income is irregular and you want to move into your new home quickly.
Of course, there is no shortage of information, but it is important to keep in mind that not all of it is credible, and little of it is relevant specifically to your situation.

As mortgage advisors with many years of experience, we can explain how a given loan relates to your personal needs and preferences. You can rest assured knowing that among all the offers available on the market, we’ll find one that’s best suited to your situation and needs.

It’s worth knowing that mortgage in the UK can be divided into two basic categories:
Capital repayment mortgage – this type of mortgage involves paying the capital part and interest, which reduces your debt.

Interest-only mortgage – this type of mortgage involves only paying interest. The installments you pay are smaller, but after the loan is paid off, your debt with the bank remains the same. 
If you’re looking for your first real estate, moving into a new home, or are simply on the lookout for a better offer, fill out this form and one of our experienced advisors will contact you. You may also contact us via phone: 07754 065691 or 020 3137 0500.

Check out our most frequently asked questions

about mortgages in the UK

  Mortgage in the UK

What types of mortgage are there in the UK?

The types of mortgage available in the UK are Capital Repayment Mortgage and Interest-Only Mortgage.

What payment plans are available?

The following variants are available::

  • Fixed
  • Offset
  • Tracker
  • Discounted
What conditions do I have to meet in order to receive mortgage in the UK?

In order to get mortgage for a house of flat, you must have a high enough level of mortgage affordability (creditworthiness). The financial advisor responsible for determining your mortgage availability may issue a “Decision in Principle” – a confirmation of your creditworthiness.

How high will my mortgage be and how high would the installlments be?

If you’re looking for reliable information on this topic, your best bet is to consult a financial advisor. Contact one of our representatives and provide them with all the necessary data, and we’ll estimate your mortgage and instalment rates.

Read more about our services

City & Country Financial Services


As mortgage advisors with access to all offers available on the market, we can explain in detail how a given loan addresses your needs and preferences.

Buy-to-let mortgage

Buying a house to let is one of the most popular forms of investment in the UK. Our advisors can help you choose the best option for your conditions, letting you spend little while gaining high return on investment.

Financial protection

Financial protection allows you to insure yourself, your family, as well as other people that are financially dependent on you, in the event of death, illness, accidents, or unemployment.

Retirement planning

We can help you if you are already retired and want to browse through your options, or if you want to invest in a future retirement plan.

Life insurance

Thanks to our knowledge of the market in its current form, we can adjust all elements of the insurance to your needs and expectations.

Company insurance

Company insurance involves insuring the most important members of the company, including you, the director or partner, as well as employees

Your house may be taken over for your debt if you fail to pay your mortgage on time. Some forms of investment loans aren’t regulated by the Financial Conduct Authority. Writing down a Will and Testament isn’t regulated by the Financial Conduct Authority. City and Country Financial Services is a representative of New Leaf Distribution Limited, authorised and supervised by the Financial Conduct Authority Number 460421. Registered in the UK no. 5520001. Registered address: Princess Caroline House, 1 High Street, 1st Floor, Southend on Sea SS1 1JE. | Privacy Policy