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Mortages Explained

Welcome to Paxton Associates
The home of a very individual and friendly mortgage service

# Is this what you are looking for?

  • Your own easy-to-talk-to independent friendly mortgage specialist
  • Check thousands of mortgages with only one phone call
  • Minimal time commitment and no form filling
  • Contactable at any time by any means
  • Speed, efficiency, and a mortgage cost within your budget
  • More time to get on with your life

# Well, that's exactly what we do - and we would love to do it for you.

Get in touch right now and let's get started!
Click here to meet our team.

Martin Greenstead

Tricia Page: Director, Mortgage Advisor & Insurance Specialist

It is no secret, unless you fit a ‘model’ which with many lenders is very restricted it is now much more difficult to get a mortgage for many many people. The banks and building society want it that way, the government too.

But it can still be done for many who do not fit that standard model. You have to know how to do it, think it out, present it well, choose the right lender with the right lending criteria for you and pilot it through. That’s exactly what we do at Paxton.

We are so pleased that more and more people are finding us. We love unblocking the finance.




# Friendly and professional.

"We truly didn't believe we could be home-owners before we met Tricia. Thank you for your advice, guidance, reassurance and friendship. We will recommend you to our friends if they are ever looking into a mortgage" - Mr and Mrs Elphick

More clients comments here.


So finally the Bank of England have increased the bank rate, just a little step – to test the market?

Tracker variable mortgage rates will reflect this within the month. Fixed rates are a bit of a game of grandmother’s footsteps, has been for a few weeks now – ‘has anybody noticed we have slipped ours up a little bit? If not, perhaps a wee bit more?’

An increasing number of people are looking at locking into a fixed rate now, if not already on one. Have a look at our Best Buys page

The mortgage market on rental properties (known as buy-to-lets) seems very little diminished here. Lenders have tighter criteria, the tax and stamp duty are increased, but many are using the greater pensions freedoms to look seriously at broadening their pension building strategy.

And it is very encouraging to see how many ‘first time buyers’ are coming to us too – not sure whether it’s them or their parents who are encouraging this, but that first step on the housing ladder can often be achievable, with sometimes lateral thinking.

All of these subjects are covered in our latest Paxton Associates News – click on this link


# Looking for a very low rate?

Click here for our Best Buys, subject to approval criteria

# Paxton releases


  • Employed & Business Owners
  • First Time Buyers
  • Buy To Let
  • Equity Release
  • Credit Problems
  • Insurances
  • Loans

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Think carefully before securing debts against your home. To help you understand the features and risks of your mortgage, we will always provide a personalised illustration, which will include the overall cost for comparison provided as a % APR. We will discuss and agree a fee with you and when it is payable prior to any commitment, and this will not exceed £495. We may also be paid commission by the lender. Check that the mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt seek independent advice.