A mortgage may well be your biggest financial commitment. Kingsgate Law can source you a variety of mortgages and remortgages from the whole of the market place.

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Interest Only

The monthly payments shown are intended as a guide only. The actual amount you will have to pay each month could be more or less than this figure.

The figures shown for repayment of an 'interest only' mortgage refer only to repayment of the interest. The cost of repayment of the amount borrowed is not included.


A mortgage may well be your biggest financial commitment. Whether you are buying your first house, climbing the next rung on that all important ladder or looking to re-mortgage your existing property, whatever the reason, finding the correct mortgage is a time consuming and complicated job even for the more experienced person.

Types of Mortgage

Fixed - Pay a set rate of interest for an agreed period.

Tracker - Your interest rises and falls in line with bank base rates.

Discounted - Offers a small discount on the lender’s standard variable rate.

Flexible - Vary your monthly repayments.

Capped - Your interest rate won't rise above an agreed level for a set period.

Current Account - These combine a banking account with a mortgage to make overpayments and receive daily interest charges.

Offset - A flexible contract where monies in savings and current accounts can be offset against the mortgage balance, thereby reducing monthly interest payments.

Early repayment charges are usually payable if you redeem your mortgage within the special rate period.

Mortgage Products



First Time Buyers

Offset Mortgage

Guarantor Mortgage

Buy to Let Mortgage


Important Information

  • Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
  • We usually charge 495 for arranging a mortgage. The actual amount depends on your circumstances.
  • Kingsgate Law Limited undertakes credit broking and is not a lender.