Mortgages 

We provide a wide range of services to meet your needs. We promise to provide every service with a smile and to your highest level of satisfaction. 

First Time Buyer 

When buying your first home this can be a daunting prospect. We will lead you through the journey step by step taking the time to fully explain every aspect of the process and be on hand to answer all your questions.


Remortgaging 

We will find the best deal that meets your needs. We can switch your lender or just swap your deal with your existing lender. We will search across the market to find the deal for you. We will handle all the paperwork and make the process hassle-free. We will make sure that you do not go onto your lenders standard variable rate.


Help To Buy 

We are accredited Help-to-Buy Wales Advisors appearing on their recommended panel. We will fully explain what Help-to-Buy is and how it can assist, the process step-by-step. We will complete the necessary application and ensure that you are kept up to date.

Buy to Let

Buying a property as an investment is a big decision and most people will need a buy-to-let mortgage to help them with their purchase. We will help you understand how the process works and how this can fit in with your long-term plans.



Different types of Mortgages explained

Fixed Rate Mortgage

When you take out a fixed rate mortgage you will always pay the same amount every month, which provides the stability of knowing exactly what your mortgage payments will be. Even if the Bank Of England base rate increases, your payments will remain the same for the duration of the fixed rate.

Standard Variable Rate 

Once your deal comes to an end you will fall onto the mortgage company SVR. The rates can be higher and will fluctuate - The lender sets the rate, but traditionally they follow the Bank of England rate. Here at CPG Mortgages and Protection we endeavor to ensure none of our clients revert to there lenders SVR.

Offset Mortgage 

Your mortgage will be linked to a savings account or sometimes a current account. The amount you have in the account will offset against your mortgage balance. its unlikely that you will earn interest on your savings as the interest will be offset against the mortgage.

Tracker Rate Mortgage 

This type of mortgage will track the Bank of England base rate so your mortgage repayments will change each time the bank of England adjusts the rates.

Interest Only Mortgage 

These arrangements do not require that you make capital repayments until the end of the loan. The repayments are made up entirely of interest on your outstanding debt. In order to clear capital, at the end of the loan, you must have an amount equal to the outstanding debt.

Taking out an interest-only mortgage is risky as there is no guarantee that the investment will be worth enough to pay off the mortgage in full. You also end up paying more interest overall.

Buy To Let Mortgage 

A buy to let mortgage is a loan to purchase or refinance residential property which is let to tenants rather than lived in by the borrower. Classed as a business transaction, rates and fees are generally higher than on a typical residential mortgage.

Your property may be repossessed if you do not keep up repayments on your mortgage.

Interested in our services? We’re here to help!

We want to know your needs exactly so that we can provide the perfect solution. Let us know what you want and we’ll do our best to help. 
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