Welcome to Dart Mortgages Partnership, Mortgage Advisers & Insurance Brokers in Teignmouth, Devon. Call us now and see how our friendly service and know-how gives you access to a full range of UK mortgages and re-mortgage products including fixed rate, interest only, capped, discount and variable interest rates, buy to let mortgages and equity release.
We can help to ensure you get the right mortgage for you so you can buy a new home, buy a property to let or simply re-mortgage your existing property. A mortgage is a large financial transaction and we are here to make sure you get it right and don't pay over the odds. We have access to hundreds of different mortgages, from many different lenders across the market.
Once we have an understanding of your individual circumstances and needs, we will give you advice on the right course of action for you and recommend the most suitable mortgage deal. As part of our service, we will deal with the lender on your behalf, taking the stress out of the process for you.
We can help to ensure you get the right mortgage for you so you can buy a new home, buy a property to let or simply re-mortgage your existing property. A mortgage is a large financial transaction and we are here to make sure you get it right and don't pay over the odds. We have access to hundreds of different mortgages, from many different lenders across the market.
Once we have an understanding of your individual circumstances and needs, we will give you advice on the right course of action for you and recommend the most suitable mortgage deal. As part of our service, we will deal with the lender on your behalf, taking the stress out of the process for you.
Services
With over 25 years' experience we can advise on 1,000s of mortgage schemes making sure you have the mortgage most suitable for your needs.
Due to our team's extensive experience within the industry we can support clients with a wide variety of mortgages including; First Time Buyers, Residential purchases or re-mortgages, Buy to Let purchases or re-mortgages, Equity Release, Further Advances, Secured Loans and Commercial Mortgages.
Applying for a mortgage can be a daunting process, and usually the largest financial transaction you make.
Due to our team's extensive experience within the industry we can support clients with a wide variety of mortgages including; First Time Buyers, Residential purchases or re-mortgages, Buy to Let purchases or re-mortgages, Equity Release, Further Advances, Secured Loans and Commercial Mortgages.
Applying for a mortgage can be a daunting process, and usually the largest financial transaction you make.
Find out about our professional and experienced team - who they are, how they can help you and how you can contact them.
Russell started his career in the mortgage business over 25 years ago with Constables Estate Agents.
He was head hunted by Fulfords Estate Agents and, .
He was head hunted by Fulfords Estate Agents and, after several successful years working for Fulfords, he decided to set up his own mortgage business - and hasn't looked back!
Russell prides himself on offering friendly but professional advice to all clients, whilst providing impartial and expert mortgage guidance from the whole of the mortgage market.
Russell started his career in the mortgage business over 25 years ago with Constables Estate Agents.
He was head hunted by Fulfords Estate Agents and, .
He was head hunted by Fulfords Estate Agents and, after several successful years working for Fulfords, he decided to set up his own mortgage business - and hasn't looked back!
Russell prides himself on offering friendly but professional advice to all clients, whilst providing impartial and expert mortgage guidance from the whole of the mortgage market.
A mortgage is a 'secured' loan, which means that the loan is secured against the property being purchased until the mortgage is paid off.
Sources of residential mortgages include high street banks, building societies and other types of less well known financial institutions.
Mortgage providers follow a set of rules and procedures when deciding whether or not they will agree to provide a mortgage to purchase a residential property.
Although different lenders apply different lending criteria, the amount a potential buyer can expect to borrow of a property's purchase price is determined solely by the mortgage provider's requirements.
Sources of residential mortgages include high street banks, building societies and other types of less well known financial institutions.
Mortgage providers follow a set of rules and procedures when deciding whether or not they will agree to provide a mortgage to purchase a residential property.
Although different lenders apply different lending criteria, the amount a potential buyer can expect to borrow of a property's purchase price is determined solely by the mortgage provider's requirements.
Once your mortgage application has been accepted in principal, you may have the option of deciding how you repay the loan: on a 'repayment' basis, or on an 'interest only' basis.
With a repayment mortgage your monthly repayments cover both capital and interest on the loan.
As the term continues, the amount outstanding on the loan reduces so the full amount of the loan will have been repaid at the end of the term as long as you have made all your payments on time.
No other repayment vehicle is needed and it avoids the risk of investing (e.g. in the stock market).
With a repayment mortgage your monthly repayments cover both capital and interest on the loan.
As the term continues, the amount outstanding on the loan reduces so the full amount of the loan will have been repaid at the end of the term as long as you have made all your payments on time.
No other repayment vehicle is needed and it avoids the risk of investing (e.g. in the stock market).
The prospect of buying your first home could be both daunting and confusing.
Our aim is to guide you through the process from start to finish so that you understand exactly what the purchase entails and how much it will cost.
The mortgage market changes all the time, not just in terms of mortgage deals and regulation but also in the way lenders assess loan applications.
Some of the changes have been in the way mortgage lenders assess the suitability of all clients for the different types of loan on offer.
Our aim is to guide you through the process from start to finish so that you understand exactly what the purchase entails and how much it will cost.
The mortgage market changes all the time, not just in terms of mortgage deals and regulation but also in the way lenders assess loan applications.
Some of the changes have been in the way mortgage lenders assess the suitability of all clients for the different types of loan on offer.
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