Welcome to our Residential Mortgages!

At Ela’s Finance, as an independent broker we help people to save potentially thousands of pounds over their mortgage term by providing great value for both your mortgage and associated protection products (such as life cover for example).

In line with our commitment of doing the best we can for our clients, we offer a free, no obligation initial meeting to discuss your requirements in more detail so we can establish how we can help. At the end of the meeting we will let you know if we are able to take on your case and will advise of any Broker fee that will be charged for dealing with your case.

The associated costs will depend on the type of mortgage product that you choose but a preferential mortgage rate product may have a ‘Product fee’.  The amount of this will be linked to the type of product and we will advise you in advance about how much any associated costs will be. We will be happy to provide costings for your individual case so there are no surprises for you during the process.

In terms of other costs, you will need to pay for your legal fees and survey fee although some lenders may cover the cost of that for you depending on what type of mortgage product has been recommended after taking your requirements into account. Local Authority Search fees and other disbursements will also be payable to your Solicitors as well as Stamp Duty Land Tax (SDLT).

To find out how much the Stamp Duty will be on your purchase, please click on the button below to use our Stamp Duty Calculator.