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KEY SERVICES

MORTGAGES
  • First Time Buyers
  • Residential Purchases
  • Residential Remortgage's
  • Help to Buy
  • Product Transfers
  • Self Employed
BUYING A SECOND PROPERTY?
  • Buy to Lets
  • Holiday Homes
  • Let to buy
  • Buy to Lets for family members
  • House of Multiple Occupancy
  • Portfolio Landlords
Different types of mortgage explained
When you start looking round for a mortgage, you'll soon realise that there are loads to choose from. So many in fact that the choice can be overwhelming and you probably don't know where to start. You know you'll want to pick the best mortgage rate but you should understand that this doesn't necessarily mean going for the cheapest because other factors can affect your choice. There's a lot to take into account before deciding which mortgage you want. You'll find it helps if you have a broad understanding of how mortgages work and the various different kinds of mortgage available.
Here goes.
How do mortgages work?
All mortgages work in the same basic way: you borrow money to buy a property, pay interest on the loan and eventually pay it back. Then they start getting complicated and you are looking at: different interest rates different ways to repay borrowing for different periods of time particular mortgages for special situations various charges to pay
What are the different types of mortgage?
There's a long list:
  • repayment mortgages
  • interest-only mortgages
  • fixed rate mortgages
  • variable rate mortgages
  • tracker mortgages
  • discounted rate mortgages
  • capped rate mortgages
  • cashback mortgages
  • offset mortgages
  • 95% and 100% mortgages
  • flexible mortgages
  • first time buyer mortgages
  • buy to let mortgages
Remember it is always important to protect your borrowing,    GRD FINANCIAL SERVICES LTD are passionate in helping you to  BUY, PROTECT and KEEP your home, therefor we offer a wide range of insurances, and have access to specialist insurance providers, for those clients with more complex needs.  

PROTECTING YOUR HOME

Our aim is not only to provide you with the best possible mortgage experience, but also to ensure you and your home is protected.
We all think it wont happen to us........
But, New figures reveal HEART disease and dementia are the biggest killers in the UK - according to new figures revealed by Public Health England.
GRD Financial Services Ltd have access to a wide range of providers many designed to meet your personal needs.
TYPES OF INSURANCES
  • Life insurance
  • Mortgage Protection
  • Critical Illness
  • Family Income Benefit
  • Income Protection
PROTECTION FOR DIRECTORS
  • Whole of life
  • Relevant Life Insurance
  • Business Insurance
  • Share Holder Insurance
  • Death in Service
  • Private Medical Insurance
  • Key Man Insurance
GRD have a range of providers with access to personalised cover, what ever your needs are. Specified insurance which just covers the top three conditions,
  1. Heart Disease
  2. Strokes
  3. Cancer
  • SPECIALIST PROTECTION for those persons who have an Higher than average BMI,
  • Participate in Professional sports
  • Business persons, directors and owners
  •  Professionals,
  • Self employed
  • Families.
GRD is committed to the individual needs of each and every client, and will always go that extra mile to ensure you have the protection you can afford and which meets your needs.

Why people believe in us. Client Testimonials say it all........

“GRD services were great, extremely flexible as I work full time, the broker accommodated our work issues, seeing us at weekend, he spent a lot of time fully explaining all areas of the mortgage and the insurances to protect the money we were borrowing. As first time buyers, his expertise was really important, they got us the offer within a week of us sending them all the information. They went above and beyond to support our needs through to completion, we cannot thank them enough and are so grateful for all they have done, we would definitely recommend GRD Financial Services Ltd"
Flexible and Understanding Report review As first time buyers GRD really made the whole processs stress free. Making it possible for us to concentrate on the more fun and exciting aspects of moving into our first home. We will definitely use GRD again, as they were affordable and flexible, never afraid to go that extra mile. Thank you.
Elizabeth C Preston
“Brilliant Service, very professional, I will definitely use them again."
Janet C Euxton Lancashire
“ Stress Free - Great service, definitely use GRD again in the future. Very professional and adept at their job, made buying my house stress free.”
David K

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    The guidance/advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
    We hope you find the site both useful and informative. Over time, our aim is to expand the site and offer more services, such as the ability to view your policies and portfolios securely on the site. We welcome your feedback, not only on the current content and presentation of the site, but also on how you feel the website could be improved or indeed what other services or information we could include to help you. If you do have any suggestions, please e-mail us or use one of our contact forms.
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