Independent Mortgage Advisers

A mortgage is a loan you take out in order to buy a property. There are thousands of mortgage products available, but they will typically either be fixed rate for a specified term, or variable rate, where the monthly repayments will fluctuate. The best type for you will depend on your circumstances.

You can also choose a repayment or interest only mortgage. With a repayment mortgage, the monthly repayments cover the capital amount borrowed and the interest. Interest-only mortgages cover just the interest, leaving you to repay the capital borrowed at the end of the mortgage term.

Buy to Let mortgages are suitable where you’re buying a property you intend to rent out.

Before you take out a mortgage, you’ll need to think about how much you can afford to borrow, how long you want your mortgage to run for and the interest rate offered by the lender. You’ll also need to put down a deposit, and the bigger the deposit, the lower the interest rate. If you’re self-employed, you’ll need to jump through a few more hoops in terms of proof of income and affordability.

First time buyers might find it hard to get onto the property ladder but there is help available. This includes the government-backed ‘Help to Buy’ scheme.

Your home is also likely to be your biggest financial asset (aside from your salary), so taking out the appropriate insurances is a must. After all, your home / property may be repossessed if you do not keep up the repayments on your mortgage.

There’s no reason to pay more interest than is necessary on a mortgage. Amber River’s independent mortgage advisers can help you make informed decisions about the best mortgage for you.

Independent mortgage advice

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Where and how we meet depends on whatever’s most convenient for you, but we have a number of locations around the UK if you’d prefer to come to us.

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Other services we offer

We provide a complete range of financial services with specialists in every category so that we can match you with the most suited adviser for your needs

Small, but important print

Registration Number 03776035
Registered in England and Wales

Amber River Group Limited is not authorised to give financial advice. The financial planning businesses who are part of the Amber River Group are separately authorised businesses and therefore able to give advice.

You’ll find details of the regulated status of our firms, including FCA numbers and links to the Financial Services Register on each of the location pages in the ‘Find an adviser’ section.

The Financial Conduct Authority does not regulate National Savings or some forms of mortgage, tax planning, taxation and trust advice, offshore investments or school fees planning.

The information contained within this site is subject to the UK regulatory regime and therefore targeted primarily at UK-based consumers.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Find full details of the FOS at

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