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"Could I just take a few moments to thank you sincerely for the speed and efficiency of this entire transaction. I must say I have been particularly impressed with the polite and most reassuringly sympathetic manner of the Client Care Executive"

Mr R, Birmingham

Frequently asked questions

Would you like our help? See if we answer your question here. If you have a question that isn't answered on this page, please call us free on 0808 132 99 90 or email us and we will happily answer any question you have.

• How much can I borrow with a mortgage?
• How much will it cost?
• Can I repay my mortgage early?
• Can I cancel a mortgage application?
• Are there any up-front fees?
• Can I fix my monthly repayments?
• How long does it take to get a decision?
• How confidential is my mortgage application?
• Can moving my mortgage save me money?
• Shouldn't I stay with my mortgage lender rather than move my mortgage to another lender?
• How does the mortgage process work?

You can borrow from £10,000 to £2 million

If you have a request that is outside this range we may still be able to help on a referral basis. Please contact us and we will do our utmost to help you.

How much will it cost?

The interest rate you pay on your mortgage reflects your personal circumstances. Why not call us now to find out what your mortgage rate would be? However if your mortgage requirement is more urgent we could achieve an even quicker completion. Just let us know.

Can I repay my mortgage early?

Yes you can repay your mortgage early. The method of calculating the repayment will be stated on your mortgage agreement.

Can I cancel my mortgage application?

Yes, you can cancel your mortgage application at any time up to completion without cost or penalty.

Are there any up-front fees?

On some mortgages a valuation fee will be payable prior to completion.

Can I fix my monthly repayments?

Yes, many people want the certainty that comes with knowing exactly what their monthly commitment will be. Whether you prefer a mortgage where the rate changes in line with the general level of interest rates or one where you can fix your monthly payments for an initial period of the mortgage, Central Capital Mortgages will help you to find a mortgage that is right for you.

How long does it take to get a decision?

If you apply now, we could call you back in minutes. We will give you a decision, in principle, straight away and could send out your mortgage documentation today.

How confidential is my mortgage application?

100% confidential. We treat all applications in the strictest confidence and at no time will we contact your employer or bank, except with your permission.

Can moving my mortgage save me money?

Moving your mortgage could save you money. In fact, switching your mortgage to a cheaper deal is one of the most effective ways of saving money.

Shouldn't I stay with my mortgage lender rather than move my mortgage to another lender?

Many borrowers feel loyal to their lender, yet lenders usually do not reward customer loyalty. Therefore, shopping around for a cheaper mortgage is one of the best ways to save money.

How does the mortgage process work?

When it comes to taking out a mortgage, the first step is to get a 'redemption statement' from your mortgage lender. This tells you how much you still owe. You then need to apply to your new lender, with proof of income and identity. We will do all of this for you as part of the process.