Welcome to the Mortgages section of the Economic Financial Solutions website. This section contains a wealth of information on Mortgages. Just click on the menu links above and you will find access to lots of pages of information on mortgages.

You may also be interested in the section on mortgage insurances which contains information on some of the insurance products available to mortgage borrowers to help protect your mortgage and your home in the event of unwanted circumstances.

Mortgages Defined

- Mortgages are a type of loan that is most commonly used to purchase residential property.

- Mortgages are 'secured loans' secured against the property that you are purchasing (or the property that you are remortgaging).

- Your mortgage lender holds a legal charge against the property which means that if you fail to maintain your mortgage payments on time and in full, your lender has a right to take out repossession proceedings i.e. evict you from the property.

- Once they gain repossession of the property they will sell it in order to recover all (or some) of the money that you still owe to them on your mortgage. If they are unable to reclaim the full amount you owe them on selling the property, you will be liable for the remainder and this could lead to bankruptcy.

How can EFS help with advice on Mortgages

EFS is a whole of market mortgage advice provider, based in Swansea, but with advisers located across the UK.

As a whole of market mortgage advice provider, EFS are able to access and advise upon the full range of mortgages available to you. You are therefore more likely to gain access to a more extensive range of mortgages available to you than if you went direct to a bank or building society, for instance.

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Commercial Mortgages and Buy to let mortgages are not typically regulated by the FSA


We do not charge a fee for mortgage advice. A fee based option is available of typically 2% of the mortgage amount.
For example on a loan of £25,000 the fee would be £500

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