The UK mortgage market is an ever growing 'jungle', constantly hitting the news headlines, and to the consumer, when choosing a mortgage it is almost impossible to know how to make a decision, one that should not be taken lightly. Everywhere you look, you will see 'best mortgage rates' advertised, whether in the press, on teletext or the web; these may be the best in terms of 'headline' interest rates, but in our experience they are rarely the best product overall or indeed in the long term. Many questions need to be asked, for example, what is the real cost of the fees, what is the APR, how is the interest applied, what flexibility is there, it is portable, or are there additional charges after the initial deal? The list goes on and on.

We may be more financially aware nowadays, but mortgages themselves are also becoming more and more complicated. So how do you select a mortgage from - Standard Variable, Tracker, Stepped, Lifetime, Fixed, Capped or Capped and Collared? Do you need a Flexible, Off-set, Portable or Self-certified mortgage? On what basis - Capital and Repayment, Interest-only or a mix of the two? If Interest-only, what repayment vehicle do you use - ISA, Endowment, Pension or other? What type of income do you have? What's even more important is how all these factors fit in with your overall finances, goals and aspirations. What's really best for you?

We at Balfour Mortgage Solutions pride ourselves on our ability to guide you through the whole mortgage process, giving you clear, understandable information and providing the highest standards of advice.

In taking independent financial advice, you will benefit from our extensive knowledge of the house buying process, gain access to the whole mortgage market and rest assured that we will source the most appropriate mortgage to suit your own individual needs and circumstances. Taking individually tailored mortgage advice is vital, now more than ever and making the right decision may lead to significant savings in your mortgage payments.

So if you're a first time buyer or moving up the property ladder, have or want to build a property portfolio or simply wish to re-mortgage your existing arrangement, speaking with us could prove beneficial to you. Whatever your needs, contact us now for a free, confidential consultation!

'Your home may be repossessed if you do not keep up repayments on your mortgage.'