We may charge a fee for the arrangement of your mortgage, but the precise amount will depend on your circumstances and will be discussed at the initial appointment. Typically we work on a fee free basis but will not exceed £1,000 or 3% of the loan amount.

No fee is charged for the initial appointment.

Typically, we do not charge a fee for arranging your mortgage or insurance, however, there may be an occasion where we do charge a fee in respect of specialist advice. The precise amount will depend on your circumstances and will be disclosed at the initial appointment. No fee is charged for the initial appointment

Our fee is a fixed fee of £695 payable on completion for all equity release products. All fees will be disclosed at the initial appointment.

The amount of mortgage you can afford is based on your income and any financial commitments you already have.

MDJ Mortgages can provide you with an accurate assessment of your affordability across the main lenders.

Whether a lender will let you borrow this amount will also depend on your credit history, the size of your cash deposit and the length of the mortgage term.

A mortgage in principle or an agreement in principle is confirmation of how much a bank or building society is prepared to lend to you based on the information you’ve provided. This can help show that you’re ready to buy when it comes to making an offer on a property. But it’s important to remember that a mortgage in principle is not a guarantee. A lender can still refuse or reduce the amount at the point you come to make a full mortgage application as at this time it will assess your full credit history and financial situation. Contact us and we can help you obtain a mortgage in principle.

Banks and building societies change their mortgage rates quite frequently so it is always best to shop around when looking for the best deals. But while low interest rates are attractive, they are not the only consideration. You should also factor in the type of deal you want – such as a fixed or variable rate mortgage – the fees attached to the deal, plus how long you want to be tied into the loan. 

MDJ Mortgages is an appointed representative of Stonebridge which is a trading style of Stonebridge Mortgage Solutions Limited, which is authorised and regulated by the Financial Conduct Authority. Registered Office: Stonebridge Mortgage Solutions Limited, 9 Lords Court, Basildon, Essex, SS13 1SS. Registered in England and Wales. Registered Number 5601592.

We may charge a fee for the arrangement of your mortgage, but the precise amount will depend on your circumstances. We may also charge a fee for equity release products. All fees will be disclosed at the initial appointment’

• You may have to pay and early repayment charge to your existing lender if you remortgage.
• As with all insurance policies, conditions and exclusions will apply.
• A lifetime mortgage is a long-term commitment which could accumulate interest and is secured against your home.   Equity release is not right for everyone and may reduce the value of your estate.