Financial Conduct Authority Number 480802

Purchasing a house

in the UK

Purchasing a house is a serious step. It’s a decision that comes with long-lasting consequences. One of the most important elements of this process is mortgage. Our company can help you choose the best solution. We’ll give you an overview of the available offers, presenting their pros and cons, offer professional advice, so that you can make an informed decision.

However, applying for mortgage is only the first step to buying a house in the UK. Before we evaluate your creditworthiness, it’s a good idea to consider what type of house you’re most interested in. Are you looking for a detached house or a flat? What funds would you want to spend on its purchase? The more information you provide us with, the better. Thanks to that, we can offer you better solutions.

If you choose mortgage, it’s important to always pay attention to the debt settlement plan, as well as decide whether capital repayment mortgage or interest-only mortgage is the best choice for you. We can help you decide on the optimal form of payment.

After thoroughly assessing your situation, we can verify the agreement using mortgage calculators provided by specific banks. This is sure to help you more easily assess your financial capabilities and make a final decision.

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