mortgages4me - cash back mortgages

A cash back mortgage is a loan where the lender rebates a stated cash lump sum or percentage of the capital borrowed upon completion and may be suitable for borrowers who might need some extra cash to help with the many incidental expenses of buying a property.

The lender will usually require that some or all of the cash sum is repaid if the mortgage is partly or fully repaid within a certain period. This is often in addition to any early repayment charges applicable to the mortgage itself.

The interest rates on cash back deals are usually higher than those for similar products that do not have the cash back facility.

Your initial mortgage consultation with us is free, so call us on 0800 652 5636 to arrange a meeting at a time that is convenient with you.

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Registered in England No. 3487726. Registered Office, 295 Aylsham Road, Norwich, NR3 2RY. mortgages4me is a trading name of Smith & Pinching Financial Services Ltd, which is authorised and regulated by the Financial Services Authority. Our FSA registration number is 186616. You can verify this and other information by checking the FSA's register at their website www.fsa.gov.uk.

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

Equity release, home reversion and lifetime mortgage are complex products and you should request personalised information.

Think carefully before securing other debts against your home or property, as it essentially becomes security for those debts and may be repossessed if you do not keep up repayments on your mortgage. If you transfer a relatively short term debt to a longer term, you may pay back more interest in total.

Your initial consultation is free, but subsequent research and advice are subject to a £250 initial fee (mortgage business) or a £500 initial fee (equity release, home reversion and lifetime mortgage business). We receive a procuration fee from the lender or company for placing the business, but you can choose to pay us a fee instead and offset the initial fee.

The FSA does not regulate some aspects of buy to let mortgages. The guidance contained within this website is subject to the UK regulatory regime and is therefore targeted at customers in the UK. For our joint protection, telephone calls may be recorded and/or monitored.

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