Easyswitch Mortgages - Call us Free on 08000 124337

Easyswitch Mortgages - 08456 800898

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Easyswitch Mortgages

Cheltenham & Gloucester Mortgages

History of Cheltenham & Gloucester

The Cheltenham and Gloucester Building Society was founded in 1850. Following a decision in 1995 by its members, it converted from a mutual society to a plc and became part of the Lloyds Bank Group.

This demutualisation sparked further deals throughout the market. Although Abbey National had converted and floated on the Stock Exchange six years earlier, it was C&G's conversion that provided the catalyst for a series of demutualisations and acquisitions that took place over the next two years - with Halifax, Woolwich, Northern Rock and Bristol & West all converting from building society status.

As a Mortgage Lender it fits well into the Mortgage Intermediary range of options, providing a wide range of mortgage rates, supporting the need to support those with smaller deposits as well as those with higher amounts of equity.

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Current Mortgage Range
Current Service Standards - Our Rating 3/5
Incentives Available
What we can do to help?

C&G currently have Tracker and Fixed Rate Mortgages from 2 Years up to 5 Years. Mortgages are available up to 90% Loan to Value (LTV) for House Purchase and/or Remortgage.

C&G have a centralised Back Office dealing with all Mortgage Cases. Whilst the general service is normally fine, there can ber a number of delays should your case need any additional attention. You normally have to pay an upfront £99 Booking Fee on your application, so please be aware that we will need your credit / debit card details

Your property valuation will not be requested by the C&G until they have seen all the supporting evidence on the application (Such as Payslips, Bank Statements, etc.)

Almost all products allow a 10% Per Annum overpayment without penalty. Please check with us if this is important for your needs.

C&G have higher than average income multiples to base their mortgage lending on. This lender also Credit Scores and checks your credit file, however we have found their credit scoring to be tough especially on higher Loan to Value (LTV) applications. If you have other mortgages this will influence their lending decision as well.

Please call us on 08456 800898 or apply on-line for us to check your income, circumstances and requirements to see if you qualify

Check the Mortgage Market for your Mortgage Needs...

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Your property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
 
If you are considering any debt consolidation - Think carefully before securing other debts against your home.
 
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
 
We normally do not charge any fees for our mortgage advice as the majority of mortgage lenders will pay us a procuration fee for our work. We do offer a fee-based service should you prefer, which will cost no more than 0.35% of the mortgage advance. Any mortgage procuration fee would then be rebated to you on completion. Some lenders do not pay a procuration fee, so we will need to charge you a flat fee for our advice and administration, typically £499. We also reserve the right to charge an administration fee for mortgage applications below £100,000, to ensure that we can earn a minimum of £500 from a combination of commission, fees and other income from a mortgage application. Please ask us for more details.

We can deal with our clients using our Online Mortgage Service, by telephone or face to face. By using our Online Mortgage Service you accept that our Independent Mortgage Advice is based upon the information you have provided us.

Easyswitch Mortgages and Easyswitch Insurance are trading names of Essex Mortgage Centre Limited. Essex Mortgage Centre Limited. Registered office : 3 Warners Mill, Silks Way, Braintree, Essex, CM7 3GB. Company Registration Number 6009105, registered in England and Wales.
 
Essex Mortgage Centre Limited is an appointed representative of Mortgage Next Network Limited, which is authorised and regulated by the Financial Services Authority in respect of mortgage and insurance mediation activities only. Mortgage Next Network Limited is entered on the FSA register ( 300866)