Britannia

We've taken a fresh look at how we make owning and getting the most out of your home as easy as possible, and that means more than just helping you find the right mortgage:

Our mortgages

We know that providing mortgages is not all about offering great rates up front, but also providing top class service along the way too.

Daily Interest

Unlike some lenders, we calculate interest on the outstanding balance each day, so as your mortgage balance falls, the amount of interest charged falls immediately too.

Even if you only choose to pay off a little extra on your mortgage each month, this means you could potentially save money on interest over the long term. If you choose to make overpayments please remember to check the terms of your mortgage as some mortgages have early repayment charges.

However, if you miss a monthly payment, the mortgage balance on which your interest is calculated will increase at the end of the month when the unpaid interest is added to the outstanding balance.

What if I want to move house in the future?

From the very outset we'll give you as much assistance as we can.

All our mortgages are portable (except Buy to let) so you can take your mortgage with you to your new home, even if your mortgage is still in an offer period (subject to our lending terms).

If you have any questions, please contact us.

Legal and Conveyancing Services

Conveyancing is probably one of the most important parts of moving home and finding the right company to do your conveyancing can be stressful.

We offer fixed cost conveyancing - with a no-sale, no-fee guarantee. So if your sale falls through, you won't have to pay a conveyancing fee, just disbursement costs like local search fees. Take a look at our fees and legal expenses section to find out more.

English language and the law applicable to contract

If you take out a mortgage with us we will always communicate with you in English. The contract that you form with us when you take out a mortgage is also in English. It will be governed by English Law and will be subject to the exclusive jurisdiction of the courts of England and Wales. English Law will also govern any pre-contract relationship existing between us.