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Life is all about Choices Let us help you make the right one

The market in which we work

Michael Chandler Mortgages Choices have access to mortgages from a large range of lenders.

Comprehensive advice…

We pride ourselves in sourcing the most appropriate mortgage for the individual's needs. After we have assessed your needs we will advise and make recommendations for you.

Our recommendations will be made on a comprehensive and fair analysis of the mortgage market.

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We specialise in arranging:


  • Mortgages for either first time buyers or movers
  • Re-mortgages for those either seeking a better rate or looking to restructure their financial arrangements
  • Buy to Let mortgages
  • Equity Release mortgages *
  • Commercial, bridging and secured loans *
  • Further Advances
  • Second Charge mortgages *

* May be with an external partner

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Mortgage factors

There are many factors we take into account when arranging a mortgage or re-mortgage. The primary factors being:

  • Affordability
  • Your credit history
  • The term of the mortgage
  • The fees associated with the mortgage
  • The flexibility of the products i.e. do they allow for overpayments?
  • The overall cost of the mortgage
  • Any redemption penalties
  • Repayment types, interest only versus repayment

The types of interest rates available, variable, fixed, tracker, discounted etc.

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Other considerations:

These are just some of the considerations made by our advisers. In addition there will be occasions where Government backed Home Ownership Schemes may need to be considered. This will of course be subject to availability.

Similarly, with regard to Protection, we will seek to understand your primary risk and your attitude to protecting it.

Once again we will consider:


  • Your affordability
  • The term the protection is required for
  • The range of illnesses/disabilities covered
  • Your current state of health
  • The underwriting criteria of the various providers
  • The features of the various products that will suit your circumstances
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Speak to one of our Specialist Mortgage Advisors today…

Whether you're planning on upsizing or downsizing, we can help you understand your options and start your next exciting chapter.

Thank you for your enquiry

One of our Specialist Mortgage Advisors will contact you as soon as they can.

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