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Understanding Mortgage Terminology

Blog written 13/11/2023  Here’s a glossary of some of the most common phrases you will hear when taking out a new mortgage.   Understanding Mortgage Terminology, Loan to Value (LTV) This is the percentage of your mortgage loan when compared to the purchase price or value of the property that you are borrowing against. For example, […]

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Our Standard fee is £297 which is payable upfront and not refundable. Some scenarios (adverse credit, self-build, small loan sizes) incur a higher upfront fee of £497.

One Roof Financial LLP is an Appointed Representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of First Complete Limited which is authorised and regulated by the Financial Conduct Authority.

Registered Office: 20 Munnings Drive, Hinckley, Leicestershire, LE10 0LG

Registered in England & Wales. Company Registration Number: OC340536

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Client testimonials

See what our clients have to say about us! Use the arrows to navigate through our testimonials.

S Green, Leicestershire

Caroline is great and explained the whole process really clearly. It was great having her there to sort things for me as my application wasn’t completely mainstream due to my senior years and I’m so happy and thankful to be in my own place again. Thank you so much :)

C Kirton, Warwickshire

Caroline has been clear, considerate, and extremely helpful every step of the way. Her expertise and professionalism have been second to none and have made my partner and I feel very comfortable from day 1.

Miss Dilkes, Leicester

The overall process was very easy. Caroline explained everything to us and went through every detail regarding getting a mortgage etc. highly recommend.

SG, Leicester

Caroline is extremely efficient and knowledgeable and I feel completely confident that I’ve got the right product for my circumstances. Caroline has been great throughout the whole process so far.

SJ, Leicestershire

Caroline is very friendly and professional, very efficient too. She offered great advice and explained everything clearly.

HG, Warwickshire

Absolutely amazing! I first signed up to one roof about 18 months ago after struggling to find a mortgage with high street lenders. The amount of support and guidance I was given was second to none. Thank you so much Caroline!

TA, Leicestershire

We have been really happy with the help, advise and support we have received from Caroline of One Roof Financial, she is very knowledgeable and kept us informed all the way through our mortgage process. We would definitely recommend to friends and family.

RO, Hampshire

Fantastic service with clear guidance and communication throughout our remortgage process, specifically when the mortgage rates dropped twice within 2 months, One Roof Financial contacted us promptly with a new product reflecting the new price, which saved us money! I would definitely recommend One Roof Financial to friends and family.

SH, Broughton Astley

I’ve been using Caroline since I bought my first house in 2014 and honestly wouldn’t go anywhere else. Apart from being just a lovely person through and through, she’s very knowledgeable and helpful in all aspects of the process. Mortgages or insurances. I’m always kept up to date and even reminded about things I forget!

AE, Gloucestershire

Caroline is so lovely and patient. She explains everything in detail, as many times as you need, and is very organised. I would definitely recommend.

Mr G, Burbage

Excellent service. Caroline is friendly, approachable and explains everything in simple terms. She is also obviously extremely knowledgeable and considers all the angles. I never felt any pressure to take any particular decision or buy any particular product. I have been a customer for years and will continue to be for many more!

Mr & Mrs E

Good communication throughout and timely responses. Always a great service! Thanks Caroline!

Mr I, Stoney Stanton

“Any actions we needed from them were dealt with promptly and diligently – which was refreshing, as not all the other moving parts in buying a house always run so smoothly. One Roof got all their bits spot on though – thoroughly recommend”

Mr S

“Product knowledge was second to none. We also had some questions/concerns regarding implications of being self employment etc the Caroline was unstably able to help with. Also very impressed with the speed of everything.”

Mr M, Shepshed

All in all a wonderful experience. You are friendly, helpful and provided a top notch service! I couldn’t have asked for more.

Mr S, Loughborough

“Always feel valued and listened too and made to feel part of the decision process.”

Mr K, Hinckley

What were you most impressed with? – “The personal touch”

Mrs B, Burbage

What were you most impressed with? – “Just delivered everything we needed and explained everything thoroughly”

Mr K, Hinckley

What were you most impressed with? – “Listened and helped with what we needed, not pushy”

Mrs L, Hinckley

“From start to finish Caroline made us feel confident in the products that we purchased, ensuring that they were correct for our needs”

Mr G, Oxfordshire

“Amazing as always, thank you!”

Mrs O, Hampshire

“My advisor Caroline was very informative, she was able to answer my questions and happy to discuss any queries”

Mrs O, Gosport

What were you most impressed with? – “Caroline’s professionalism, thoroughness and attention to detail, particularly when explaining the intricacies of Critical Care Cover.”

Mr G, Oxford

What were you most impressed with? – “professionalism”

Mrs M, Hinckley

Caroline did everything for us, she was very thorough. It meant we could focus on our house move, rather than insurance and mortgage stuff.