Our mortgage service provides a simple solution for your needs.

The Mortgage Maze

A browse through the financial section of any newspaper or a stroll down any High Street can leave you bewildered with the number of mortgages on offer. With over 100 lenders offering 1000s of different deals you could be forgiven for being confused. Here at Pacific, our mortgage experts can guide you through the maze whatever your needs or circumstances. We are Independent which means that we have access to the whole marketplace of lenders and schemes. We have highlighted below some of the areas that we can help in.

House purchase

Whether you are a first-time buyer or an experienced property owner, we can find the right scheme for you including many opportunities not available on the High Street.

Re-mortgage

If you are one of the many people paying a standard variable rate when you don’t have to be, then you shouldn’t be. There are several deals on offer from various lenders, all of which could reduce your monthly repayment. Some even pay part or all of the costs involved in transferring your mortgage to them.

Do you have large amounts outstanding on unsecured loans or credit cards? If so, have you considered consolidating them into your mortgage? By doing so you could greatly reduce your monthly outgoings. There are many special deals on offer that allow you to do this, all of them available through us.

Self-employed

Traditionally it has been more difficult for the self-employed to obtain a mortgage, especially from the high street banks and building societies. This is still the case with a lot of lenders but there are now a number of lenders, including some on the high street, that are more sympathetic to the needs of this large sector of the workforce.

Self-certification

Sometimes income can be difficult to prove, whether it is the employee that works a lot of overtime or receives bonuses and commission, or the self-employed that employ tax efficient accounting practices. This has made getting a mortgage a real problem in the past however help is at hand. There are now lenders that enable borrowers to ‘self certify’ income. This means the borrower has to certify that their income is sufficient to support the mortgage being requested without having to provide proof. Rates on this type of scheme can be on a par with mainstream products subject to individual circumstances.

We are confident that we can find a better mortgage deal for you, therefore we offer a ‘mortgage health check’ to all clients, both new and old.


***Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.