Mortgages with Town & Country


About Our Mortgages

With so many deals to choose from and so many things to consider when looking for the right mortgage, it's not surprising that many people seek advice. Town and Country Mortgage Services Ltd offer a professional, but very personal, integrity based service to all of our clients. Our aim is to be helpful and caring, whatever your circumstances may be.

Our initial consultation is free of charge and we’ll manage your application from start to finish, saving you time and hassle. We have advisers available 7 days a week, so you can sort the mortgage out at a time that suits you – call us now 0800 32 88 680 for a no-obligation review.

If you're doing some initial research, our website is packed with information to help you – our mortgage best buys, useful online mortgage calculators and helpful mortgage search facility.

Our Mortgage Partners

Home Movers

Finding the right mortgage is all important in the house-buying process. Our website is packed with information to help you with your initial research – mortgage best buys, useful mortgage calculators and helpful mortgage search facilities.

Once you've found a home to buy, our fully-qualified mortgage advisers will be happy to help you find the best mortgage for you – we’ve got advisers available 7 days a week so you can sort the mortgage out at a time that suits you.

And, as you'd expect from Town & Country Mortgage Services, we'll also help you find the best value life insurance for your mortgage and get you competitive rates on the required legal work.

Re-Mortgages

Town and Country have an in‑depth knowledge of the mortgage products available to source the most suitable mortgage for your needs. If you wish to raise funds for home improvements, debt consolidation or simply find a better rate of interest, we will be able to help.

When you contact us you will be put straight through to a dedicated and experienced adviser who will personally advise and guide you through the mortgage options available, will personally oversee the full application process through to completion, will always be there to discuss your requirements face to face or at the end of a phone whichever is most convenient for you.

Our friendly and experienced adviser team specialise in searching the market place for you call us today for information.

First Time Buyers

Town and Country advisers will use their experience to make the process simple and easy to understand for first time buyers. The advice will be clear and concise, with every aspect explained thoroughly so you can be assured of peace of mind when making what will probably be your largest financial purchase in your lifetime. When you buy your first home it is such an exciting time, so there is no need to be daunted by the prospect of arranging the finance or insurances.

We are experts in the government housing schemes such as Help to Buy, shared equity and shared ownership which assist individuals looking to purchase an affordable home with a lower deposit than is usually required by mortgage providers.

Government Housing Schemes

Town & Country works closely with the government housing associations along with both national and local developers to assist you in arranging approval for the most suitable scheme. We are able to advise and arrange the most suitable finance package for your needs to successfully enable you to move into your new home.

Our advisers can advise you in all government house buying schemes and work in partnership with local housing associations offering shared ownership schemes which allow you to part buy and part rent your new home offering you a stepping stone out of rented to owning a home of your own.

New Build & Help to buy

Town and Country Mortgages specialise in mortgages for new build properties. We have been recommended by many of the Uk’s largest house builders for over 20 years. Our expertise can guide you through the incentives that the house builder’s offer and with our understanding of these incentives can place your mortgage with a lender that will accept them. Our advisers and administration department work to a 28 day exchange deadline which will enable you to reserve your new build property with the confidence that the house builder timescales will be met. We have access to new build/specialist processing teams within many mortgage lenders to help us process your new build mortgage application.

If you are buying off plan we have the experience and knowledge to recommend lenders that have extended offer periods for new build purchases which will enable you to exchange contracts for future completion dates.

Many lenders have restrictions on the deposits required for new build properties with our expertise we can guide you to a lender that can help.

Talk to us today and reserve your new build property with the confidence that you have a qualified and professional new build mortgage adviser working on your behalf.

You arrange mortgage (75%) £187,500
Deposit (5%) £12,500
Government equity loan (20%) £50,000
Total Purchase Price:   £250,000

Buy-To-Let

Property investment is a great way to invest and traditionally it has produced long term growth for many investors along with great monthly rental yields.

Town and Country Mortgages have extensive experience in this sector of the mortgage market. If you are looking for your first rental property, an existing landlord adding to your portfolio, require insurance products for your investment properties or you wish to remortgage your buy to let property to release funds call our expert’s to find a product that suits you.

Some buy to let mortgages are not regulated by the Financial Conduct Authority.

Commercial Mortgages

We can help you obtain commercial finance for your business to trade from or as an investment, such as a commercial buy to let or even a holiday let. Commercial mortgages are usually a more complex type of lending requiring experience to arrange successfully so speak to our team today.

Relationships developed through our extensive experience negotiating commercial finance with providers , enable us to negotiate personal terms and discuss complex deals for your benefit. We are able to accept all types of commercial applications, including individuals, limited companies and (SPV) Special Purchase Vehicles.

We have access to wide range of providers, both main stream and specialist commercial lenders to ensure we can obtain the finance you need to fit your circumstances. Whether you are a trading business or require funds for commercial investment opportunity, we can discuss interest only products and source commercial mortgages with no maximum loan.

Some commercial mortgages are not regulated by the Financial Conduct Authority.