Sensible Mortgages

Take the Sensible approach to mortgages.

We search the UK loan market to find the best mortgage deals for you.

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Residential Mortgages.

Whether you’re a first-time home buyer, or you’re looking to refinance your current mortgage, we have the knowledge and expertise to help you every step of the way. Monefi work with a range of top mortgage lenders, and we’ll find you the best mortgage rates and terms available, so you can secure the home of your dreams.

At Monefi, we have a dedicated team of mortgage experts who are committed to finding the best mortgage solution for you. We leverage our extensive knowledge of the mortgage industry and our specialists take the time to understand your unique needs and financial situation, ensuring that you find a mortgage option that perfectly fits your requirements.

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Buy-to-let mortgages are a financing option for individuals who want to invest in a property and rent it out. At Monefi, we offer a convenient way to finance your investment goals through our buy-to-let mortgage options.

Interest rates and deposit requirements for buy-to-let mortgages may be higher than residential mortgages, but this will vary depending on the lender. Our team of mortgage specialists at Monefi can help you find the best fit for your needs, discussing the terms and options available to you.

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Commercial Mortgages.

A commercial mortgage is a type of mortgage loan that is used to finance the purchase of a commercial property, such as an office building or retail space. This type of mortgage also typically involves higher interest rates and stricter borrowing criteria than residential mortgages, due to the property being used for business purposes.

At Monefi, our team of dedicated mortgage specialists can assist you in finding the most suitable option to fit your individual needs and financial situation. We draw on our extensive expertise in the mortgage sector and collaborate with a number of loan providers to offer you competitive rates and terms. Whether you’re in the market for a residential investment, or commercial property, we have the expertise to help you find the right mortgage solution.

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Equity Release.

At Monefi, we offer a variety of equity release products to help you access your equity. Equity release is typically available to homeowners over the age of 55 with a mortgage-free property or a small outstanding mortgage. It allows you to borrow money against the value of your property without having to sell it or take on any additional monthly payments.

What are the types of equity release?

1. Lifetime Mortgages:

With a lifetime mortgage, you can acquire financing against the value of your home while still retaining ownership of the property. The debt incurred from the loan, as well as any associated interest, will be settled upon the sale of the property.

2. Home Reversion Plans:

Home reversion plans involve selling a portion of your property to a lender in exchange for a one-time payment or an ongoing recurring payment. Under a home reversion plan, once you have relinquished a percentage of your home ownership rights to the lender, you still retain the right to live in the residence for the remainder of your life.

Our team of financial advisors are here to help you understand your options and choose the best equity release product for your individual circumstances. We will work with you to determine the most suitable solution and provide personalised advice and support throughout the process. Contact us today to learn more about how equity release can help you access your equity.

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