we are committed to finding you the right mortgage
Our Mortgage Consultants are here to help you every step of the way through the mortgage maze, beginning with the application forms through to finding the right mortgage for you, one that will suit your needs and financial requirements - we'll help you do it all.
With our professional advice and access to a panel of selected lenders - we're sure we can help you, whether you are a first-time buyer, a seasoned property mogul, wanting to move up the property ladder or even just remortgaging.
more help for you... we have a selection of free guides to help you with your mortgage requirements and how we can help you. Simply download the relevant guide below:
Lenders correct as of February 2023.
The period of an introductory or discount interest rate on a mortgage. The initial rate period varies by loan type and can be as short as one month or as long as several years.
Fixed. A fixed mortgage is where the interest rate is fixed and will not change for a specific period, usually between 2 and 5 years. During this period the interest rate is usually discounted from the lenders standard rate. This is known as the discount period.
Tracker. The rate of a tracker mortgage is linked to a fixed economic indicator – usually the Bank of England base rate. This doesn't mean it's the same as the base rate, just that the rate moves in line with it. This means the rate can go up, or down. The tracker rate can be discounted and under this circumstance the discount will apply for a specific period, usually between 2 and 5 years.
Standard Variable Rate (SVR). This is the lenders standard rate. This will always be higher than the discount rates for some Fixed and Tracker products as the rate is usually linked to the Bank of England's base rate movements and is typically 2 to 5 percentage points above this base rate. The SVR is the rate that most borrowers end up on after the end of an incentive period such as a two-year fix or two-year discounted rate.
The period of time in months to which the discount rate would apply. SVR products and some Fixed and Trackers do not have a discount period and as such the initial rate period would be 0.
The maximum Loan to Value (LTV) is the maximum a lender will lend you against the value of your property. This is calculated by dividing the loan amount by the house value. For example, if the maximum LTV is 80% and the property value is £100,000 then the maximum loan permitted would be £80,000.
The initial monthly payment, this may be the discounted rate and will only apply for the initial rate period.
Whether the lender charges a fee to arrange the mortgage
This is the Annual Percentage Rate of Charge (APRRC). A lender is always required to quote the APRC when advertising a loan or borrowing rate. It is a standard interest rate calculation designed to reflect the total amount of interest that will be paid over the entire period of the loan.
reasons to choose our mortgage services...
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protecting your property
We offer advice on insurance products designed to ensure that even if you are too ill to work or in the event of your death, you still have the funds to keep your home for your family. We can also arrange buildings and contents insurance for you, to protect your home and your belongings.
On request, we can refer you to a specialist Consultant to provide you with advice on additional products that can be designed to provide a lump sum or income for you and your family. These products are designed to help you and your family to maintain your current lifestyle in the event of ill-health or death before your selected retirement age.
Our specialist advisers can tailor a solution to meet your individual circumstances.
Our products and suppliers are - Ageas Insurance Limited for Buildings and Contents Insurance and Aviva for Term Assurance, Critical Illness Cover and Income Protection.
you'll gain access to myaccount
Keeping an eye on where you are with your mortgage and insurance transaction has never been easier with myaccount. With myaccount you'll gain access to key tools, guides and monitor your milestone markers to see how your transaction is progressing and much more!
what our mortgage customers say...
We love hearing what our customers have to say about our service, we use an independent review company Feefo to find out what our customers think - take a look for yourself...
Rob has been fantastic with help and advise.
Professional and personable supporting through each step.
Booking a appointment was easy and flexible around our work commitments. Chris the advisor was very knowledgeable, friendly and down to earth. He explains things in 'dumb' fashion which is exactly what we needed haha. Overall will be back when remortgaging next time.
Theresa helped us a lot, she told us it would be fine and it was! I recommend both the agency and the mortgage advisor from William H Brown. The best!
Joseph Overhill has been excellent.
Such a good service and still ongoing with Jodie, she’s is so welcoming and easy to talk to, not pushy in any way. Have highly recommended to others
Very good made everything a lot easier for us definitely recommend them to anyone
They communicated very well, made things easy and gave us a clear outlay on every step, friendly and approachable, they contacted us straight away with any possible issues and went the extra step to resolve them, we would recommend and buy from them again
Daniel did a great job in explaining everything in simple terms and finding us a good deal to match our circumstances
Easy fast and friendly service, all well explained and happy to help where needed. Sarah was brilliant and explaining everything and taking her time with us to make sure we were 100% happy
William H Brown in Fletton provides amazing service. I found the team to be very friendly, helpful, and professional. There is no doubt that Vismante would make a great choice for anyone looking for great mortgage advice! My first home purchase is now underway thanks to Vismante, and I couldn't be happier.
From the first time I went into the Doncaster branch the experience was pleasant, positive and very informative. The service I got from Hannah Coupland Tagg was really friendly but professional, and I have to say she made the process of confirming a mortgage so easy, even going the extra mile supplying information to the agents I have purchased my next house with. Would definately recommend Hannah as a go to person.
Everything has been brilliant, Georgine who has been assisting us has been on top of anything that needs done, helping with questions that we have and paperwork we didnt understand.
Hi my experience was straight forward and stress free thanks to Amy who was amazing and explained everything clearly
My experience was so perfect I couldn’t have asked for more
The lady was very helpful and friendly and instantly made us feel at ease as we are first time buyers and had no clue what and how to do anything but our mortgage advisor took everything in hand explained all that needs to be done in detail and was so helpful happy and professional throughout
Excellent service from mortgage services, helpful and knowledgeable advisor, easy to understand information with regular updates, would definitely recommend to others