Contact Plymouth Mortgage Hub

Here at Plymouth Mortgage Hub, we welcome all enquiries!

We may pride ourselves on being top notch for first time buyer experience, but we excel with mortgages and protection on a whole.

Below you’ll find several ways of contacting us, feel free to use your preferred method!

+44 1752 393299

Unit 1, Ridgeway Business Centre,
127 Ridgeway, Plympton, PL7 2AA

+44 7414 741438

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A mortgage is a loan used to buy a home or other property. You borrow money from a lender (such as a bank) to purchase the property and agree to pay back the loan over a specific period of time (known as the ‘term’). The property itself serves as security to the lender, meaning if you fail to make payments, the lender can take possession of the property through a process known as repossession.  Your monthly payments cover both the principal amount (the amount borrowed) and the interest.

All lenders will lend a different amount, the lenders we can use will depend on your credit history. The amount that each person can borrow is based on their income, their current credit commitments and to some extent the amount of deposit they have.

The lender may require a specific minimum deposit from you, depending on your credit history, however the minimum deposit can be as low as 5%. Generally, the higher the deposit amount, the better your interest rate could be as this reduces the risk for the lender. 

The cost of the mortgage is governed by three things, the amount borrowed, the term of the mortgage and the interest rate charged and therefore is quite specific to each individual. The longer your mortgage ‘term’, the lower your monthly repayments will be, however a higher amount of interest would be paid overall.

A buy to let mortgage is a type of mortgage specifically designed for individuals who want to purchase a property with the intention of renting it out to tenants.  Unlike a regular residential mortgage used to buy a home for personal use, a buy to let mortgage is tailored for investment purposes.

  • Stamp Duty: You may need to pay Stamp Duty Land Tax (SDLT) if you buy a property or land over a certain price in England and Northern Ireland. We recommend you check the website for further information on this.
  • Solicitor’s fees: For all property purchases, a solicitor will be involved.  A quotation can be provided on request.
  • Valuation fee: This varies from lender to lender, this is an upfront cost that will need to be factored in.  You may want to pay a bit extra to have a Level 2 or Level 3 survey depending on your requirements (this is not done automatically).
  • Lender arrangement fees: Some mortgage products could have a fee (this will be determined by the lender), this can normally be added to the mortgage but you may wish to pay this upfront.
  • Mortgage broker fee:
    There may be a fee for mortgage advice. The precise amount will depend on your circumstances. Our fees range from £0 – £350. This will be payable on receipt of your mortgage offer.