Mortgages

What types of mortgages are there?
Mortgages come in various shapes and sizes. Here are a few common options:
• Annuity mortgage: You pay a fixed amount per month, initially mostly interest, with increasing repayments over time.
• Linear mortgage: You repay a fixed amount each month, gradually reducing your monthly costs.
• Interest-only mortgage: You only pay interest and repay the loan at the end of the term.
• Bridge mortgage: Useful if you buy a new home but haven’t yet sold your old one.
• Equity release mortgage: Uses the equity in your home to create extra financial room, for example, for renovations.
• Buy-to-let mortgage: Suitable for purchasing a property to rent out.

What does VCM do for you?
Buying a home is the biggest financial decision for most people. At VCM, we don’t just arrange a mortgage.
• We assess your financial situation and future plans and provide tailored advice.
• We explain everything clearly, ensuring you feel comfortable and avoid pitfalls.
• We compare lenders to secure the best possible financing for you.
• We guide you through the notary process, so you can sign with peace of mind.
In short, VCM makes securing a mortgage a successful and enjoyable journey.