Family services
Residential mortgages
Your mortgage is probably the largest financial commitment you are likely to make, so it’s important that you get professional advice, that is tailored to your needs.
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We’re not tied to any particular lender, which means we’re not limited in the range of mortgages we will consider for you. We’ll search the mortgage market and review what is available. From our search we’ll determine which lender will offer you the most attractive mortgage options suited to your particular requirements.
We look at your mortgage not only as a loan to buy your home, but as part of your overall financial profile. This enables us to ensure that the solution we recommend is linked to your future plans, including when you plan to start a family, when you wish to move home and when you ultimately plan to retire.
Choose Omni Financial for
Reliable, mortgage advice
Full range of options based on searching the whole market
The most suitable mortgage solution for your needs
To ensure your mortgage fits with your future plans
Contact us today to discuss your mortgage requirements and see how we can help you.
Important information
A mortgage loan is secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
For mortgage advice we can be paid a fee, typically £495 on application. We will also be paid commission from the lender.
We are not limited in the range of mortgages we will consider for you
Talk to an adviser
Book your free first meeting
No obligation. We’ll listen, explain your options and only recommend what’s right for you.
Calculator
Mortgage calculator
See what your monthly repayments could be.
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Free tools
Try our free tools
Remortgage calculator & reminder
See what you could save by switching before your deal ends, and set a free reminder.
Try it free
What is my home worth?
A free estimated value for your home, based on recent sales nearby.
Try it free
Stamp duty calculator
Stamp Duty Land Tax for home movers, first-time buyers and additional properties.
Try it free
Q&A
Questions & answers
How much can I borrow for a mortgage?
Many lenders lend up to around 4 to 4.5 times your income, and some up to 5.5 times for higher earners or certain professions. Lenders also check your outgoings and credit history. Use our mortgage calculator for an indication.
How big a deposit do I need?
You can buy with a 5 percent deposit, but a 10 to 25 percent deposit usually gives you access to better rates.
Should I choose a fixed or tracker rate?
A fixed rate gives certainty over your payments for the fixed period. A tracker moves with Bank Rate, so payments can fall or rise. The right choice depends on your budget and plans.
When should I start looking at remortgaging?
Around six months before your current deal ends. Many lenders let you secure a new rate up to six months ahead, so you avoid moving onto the standard variable rate.
Do you charge for mortgage advice?
We explain any fee before we start. We may also receive commission from the lender, which we always disclose.
Your first meeting is free
Talk to an independent financial adviser in St Albans. Call 01727 223251 or send us a message.