Pera Mortgages | Your Mortgage, Your Future

Fixed Rate Mortgages

Stability and Predictability
Enjoy the security and peace of mind that comes with fixed monthly payments. With a fixed rate mortgage from Pera Mortgages, your interest rate remains constant for a predetermined period, typically ranging from 2 to 10 years. This means your monthly repayments will stay the same throughout the fixed term, making it easier for you to budget and plan your finances effectively.

Ideal for Long-Term Planning
Fixed rate mortgages are particularly popular with those who prefer stability and want to avoid the uncertainty associated with fluctuating interest rates. By locking in your interest rate, you protect yourself from potential increases in market rates, ensuring that your mortgage repayments remain manageable and predictable.

Peace of Mind
Choosing a fixed rate mortgage offers peace of mind, knowing that your payments will not change unexpectedly. This can be especially beneficial for first-time buyers or anyone who values financial predictability. At Pera Mortgages, we offer a range of fixed rate mortgage options, allowing you to select the term that best suits your financial situation and future plans.

Variable Rate Mortgages

Flexibility and Potential Savings
Experience flexible payments that can change over time with a variable rate mortgage from Pera Mortgages. These mortgages typically start with a lower interest rate compared to fixed rates, providing an initial period of reduced payments. However, the interest rate on a variable rate mortgage can fluctuate based on changes in the Bank of England base rate or the lender's standard variable rate (SVR).

Adaptable to Market Changes
With a variable rate mortgage, your payments could increase if interest rates rise, but you also have the opportunity to benefit from reduced rates if interest rates fall. This option is suitable for borrowers who are comfortable with some level of financial risk and can potentially take advantage of lower interest rates.

Suitable for Financially Flexible Borrowers
Variable rate mortgages are ideal for those who have a flexible budget and can accommodate potential changes in their monthly repayments. At Pera Mortgages, we provide expert advice to help you understand the implications of a variable rate mortgage and decide if this option aligns with your financial goals and risk tolerance.

Offset Mortgages

Maximising Your Savings
Use your savings to reduce mortgage interest with an offset mortgage from Pera Mortgages. By linking your savings and current accounts to your mortgage, the balance in these accounts is offset against your mortgage debt. This means you'll only pay interest on the difference between your mortgage balance and your linked savings, which can significantly reduce the amount of interest you pay over the life of your mortgage.

Flexible Financial Management
Offset mortgages are ideal for those with substantial savings who want to make their money work harder without sacrificing access to their funds. You can continue to use your savings and current accounts as usual, but the balances in these accounts help to reduce your mortgage interest, offering a flexible and efficient way to manage your finances.

Tailored to Your Needs
At Pera Mortgages, we offer tailored advice to help you understand how an offset mortgage can benefit you. Whether you're looking to reduce your mortgage term, lower your monthly payments, or simply make the most of your savings, our expert advisers will work with you to find the best solution for your financial situation and goals.

Explore our variety of mortgage options and discover the perfect fit for your needs.

Types of Mortgages

Interest-Only Mortgage: An interest-only mortgage allows you to pay only the interest on the loan for a specified period.
Tracker Mortgage: A tracker mortgage is linked to a specific interest rate.
Variable-Rate Mortgages: A variable-rate mortgage is a type of home loan where the interest rate can fluctuate over time.
Joint Mortgages: Joint Mortgage is a home loan taken out by two or more people together.
Expat Mortgages: Expat mortgages are specifically designed for UK citizens living abroad who wish to purchase property in the UK.
High Net Worth Mortgages: Tailored specifically for individuals with substantial assets and significant income.

First Time Buyers

Shared Ownership Mortgages: Shared Ownership mortgage allows you to buy a portion of a property
Shared Equity Mortgages: Helps you buy a property with the assistance of an equity loan from the government or a developer.

Remortgages

Switching Lenders: moving your existing mortgage from one lender to another to take advantage of better rates or terms.
High Net Worth Mortgages: Tailored specifically for individuals with substantial assets and significant income.

Specialist Mortgages

High Net Worth Mortgages: Designed specifically for individuals with substantial assets and significant income.
Guarantor Mortgages: Guarantor Mortgages provides additional security to lenders, particularly for borrowers with limited credit history or low income.
Let to Buy Mortgages: Let to Buy mortgage is ideal for those who want to move to a new home but keep their existing property as an investment.
Contractor Mortgages: Contractor mortgage is specifically designed for individuals who work on a contract basis, rather than being permanently employed.
Director Mortgages: Director Mortgage is a specialised mortgage product designed for company directors.

Buy to Let

Buy to Let Mortgages: Invest smartly with our Buy to Let Mortgages – tailored for landlords seeking rental income and long-term property gains.
Buy to Let Remortgages: Optimise your property portfolio with our Buy to Let Remortgages – switch to better rates or access the equity tied up in your rental property.
Buy to Let Interest-Only Mortgages: Maximise cash flow with our Buy to Let Interest-Only Mortgages – lower monthly payments while focusing on capital growth.

Expert Advice: Our team of experienced advisers is on hand to provide honest and complimentary advice, guiding you through every step of the mortgage and insurance process. With their in-depth knowledge and personalised approach, you can make informed decisions with confidence.
Comprehensive Support: From the initial consultation to the completion of your application, our dedicated case managers ensure a smooth and efficient experience. We manage all the details, so you can focus on finding the perfect property or insurance plan without the hassle.
Track Your Application: Stay informed with our 24/7 online access system, allowing you to track the progress of your application at any time. This transparency ensures you are always up to date and aware of the status of your mortgage or insurance process.
Ongoing Support: Our commitment to you doesn’t end once your mortgage or insurance is secured. We are here to support you continuously, ensuring you have the best financial arrangements in place for your evolving needs. Whether it’s remortgaging, additional insurance, or financial advice, we are here for the long haul.
Wide Range of Lenders: We work with a vast network of lenders to offer a variety of mortgage products, ensuring that you have access to the best options available in the market. Our extensive connections mean we can find a mortgage solution that fits your unique requirements.
Get Started: Ready to find your perfect mortgage or insurance plan? Contact our expert advisers today or start your application online. With Pera Mortgages, you are choosing a partner dedicated to helping you achieve your financial goals with ease and confidence.

Key Factors to Consider Before Applying for a Mortgage

Applying for a mortgage is a significant step, and understanding what lenders look for can improve your chances of approval and help you secure a better deal.

One of the first things you should do is check your credit report. Lenders assess your financial history to determine whether you’ve managed past debts responsibly. If your credit score is lower than expected, you may be able to improve it by reducing outstanding debts, closing unused credit accounts, and ensuring you’re registered on the electoral roll.

Another crucial factor is your deposit size. The larger your deposit, the broader the range of mortgage options available to you. Lenders often offer more competitive rates to those with a substantial deposit or significant equity when remortgaging, as it signals lower financial risk.

Want to Make the Process Easier?

No one likes surprises when it comes to mortgages. Get ahead with our expert guides:

Embark on your mortgage journey with confidence alongside Pera Mortgages.
As UK-based mortgage brokers, we understand the complexities of the market. Let our seasoned experts steer you through the maze of options, ensuring a seamless experience tailored to your needs.

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Mortgages

First Time Buyers

Remortgaging

Buy to Let

Moving to a New Home

Other Mortgage Options

Fixed Rate Mortgages

Variable Rate Mortgages

Offset Mortgages

More Mortgage Options

Types of Mortgages

First Time Buyers

Remortgages

Specialist Mortgages

Buy to Let

Why Choose Pera Mortgages?

Key Factors to Consider Before Applying for a Mortgage

Want to Make the Process Easier?

Fast communication

Explore Your Mortgage Universe

First Time Buyers

Remortgaging

Buy to Let

Moving to a New Home

020 8129 4428

565 Green Lanes, London, N8 ORL

[email protected]

020 8129 4428

[email protected]

565 Green Lanes, London, N8 ORL