Mortgage Products
Explore Our Range of UK Mortgage Products – Find the Right Fit for Your Home and Budget.
Expert Mortgage Advice: Find the Right Mortgage Products
Buying your dream home is one of the biggest financial decisions you’ll make. With so many mortgage products available, choosing the right one can feel overwhelming. That’s where we come in.
At Harbour Mortgage Solutions, we provide expert mortgage advice to help you navigate your options. Whether you’re considering a Fixed, Variable, Discounted, Capped, Uncapped, or Cash-back Mortgage, we’ll break down the pros and cons so you can make an informed choice.
Interest rates vary between mortgage products. Some banks may offer a low rate but charge a high arrangement fee. Others might have a slightly higher rate but lower upfront costs. We’ll help you compare the true cost of each option so there are no surprises.
Our team searches the market to find the best mortgage providers and products for your needs. We’ll walk you through additional costs—such as valuation and booking fees—and check for any redemption penalties. With our guidance, you’ll secure a mortgage that not only fits your budget but also saves you money in the long run.
Ready to find the right mortgage?
Fixed Rate Mortgage
With Fixed Rate Mortgage products, the interest rate you pay will stay the same throughout the length of the deal, no matter what happens to interest rates. You'll see them advertised as 'two-year fix' or 'five-year fix', for example, along with the interest rate charged for that period.
Capped Rate Mortgage
With Capped Rate mortgage products, your mortgage payment won't rise above a certain level, but because they are a kind of variable rate, it will also let you benefit from lower interest rate payments when rates go down.
Standard Variable Rate
A Standard Variable Rate (SVR) mortgage is the interest set by lenders. Each lender sets their own SRV, usually influenced by the interest rates set by the Bank of England. These rates can go up and down on a monthly basis, making it difficult to budget easily.
Buy to Let Mortgage
Buy to Let mortgage products are loans for purchasing or refinancing a residential property, which is then let to tenants rather than lived in by the borrower.
Repayment Mortgage
Repayment Mortgages are the more traditional and popular type of mortgage today. The reason these mortgage products are popular can be attributed to the cautious attitude people have when it comes to risk. The capital you have borrowed and the interest are combined into a monthly payment.
Interest Only Mortgage
Interest Only mortgage products are more of a risk than your standard mortgage. Borrowers are required to pay only the interest back each month. However, as you are not repaying the capital you borrowed back, you do need to have a form of savings set up so you can repay your mortgage when the time is ready.
Let to Buy Mortgage
Let to Buy is where a mortgage borrower keeps hold of their existing home and rents it out to tenants and then buys a new home for themselves and their family to live in.
Buying your first home or moving home should be an exciting period in your life. We aim to make this transaction run as smoothly as possible. We will give you accurate mortgage advice and guide you every step of the process.
We are regulated by the Financial Conduct Authority.
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Frequently Asked Questions
I'm looking for stability — which mortgage gives me peace of mind with monthly payments?
If budgeting is important and you’d rather not worry about rate changes, a mortgage with a fixed monthly payment can be really reassuring. It helps you plan ahead and feel in control, especially in uncertain times. We’ll be happy to run through your options with you.
I want to keep my options open. Are there mortgage products that offer flexibility?
Absolutely. Some mortgage products give you more breathing space when it comes to changes, whether that’s switching deals early or benefiting from potential rate drops. If you value freedom over fixed costs, we can help you explore flexible options that suit your lifestyle.
I'm considering renting out a property, where do I start?
Whether you’re investing for the first time or expanding your rental portfolio, there are mortgages built specifically for landlords. We’ll guide you through what lenders look for and help you understand how rental income plays a role in your application.
Can I buy a new home but keep my current one as a rental?
Yes, and that’s a great strategy for some people. There’s a way to unlock equity from your current home while converting it into a rental, helping you move forward without letting go of a valuable asset. We’ll walk you through how it works and whether it fits your goals.
What if interest rates rise — how can I protect myself?
You’ve got options. Some mortgage products are designed with safeguards in place so you’re not caught off guard by rising rates. Let’s talk about how much certainty you want and find a deal that helps you sleep easy.