Ephphatha Financial Services Limited
Our aim is to help individuals and businesses to achieve their financial goals. Our approach is straightforward. You tell us about your current situation and about your financial objectives and when you want to achieve them. We develop a practical plan designed to help you meet those objectives.
We’ll discuss the plan with you and agree the course of action you want to take. Whilst the final decisions are of course yours, we’re here to help and guide you with jargon-free advice both now and in the future.
Buy To Let
Rising property values and a booming lettings market has meant that many lenders have developed mortgage deals tailored to the needs of would-be landlords.
A buy-to-let mortgage is a loan for purchasing a residential property that is let to tenants rather than lived in by the borrower. The typical deposit required is likely to be around 25%, although better deals will be available to those who can put down as much...
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Discount, Capped, Cashback
A discount rate is a type of variable rate mortgage where the interest rate is set at a discount below a rate of interest, typically the lender’s Standard Variable Rate (SVR) for an initial period of time, typically two or three years.
The obvious benefit here is that the rate is lower, so your repayments will be cheaper. However, if interest rates rise, you can expect your repayments
First-Time Buyers
Buying your first home can be both an exciting and nerve-racking experience. The exciting bit is having your own front door and space to call your own; the nerve-racking part can be finding somewhere you can afford, saving enough for the deposit and getting a mortgage product that’s right for your financial circumstances.
Fixed Rate, Interest-Only, Offset
With a fixed-rate mortgage, the interest rate you pay remains the same for a set period, so your mortgage repayments will remain the same, even if interest rates rise.
This type of mortgage is often available as a two, three, five or ten-year deal and provides peace of mind that your repayments will be the same for the duration of the fixed term.
Help To Buy
Government-backed mortgage schemes
Although the Help to Buy: Mortgage Guarantee Scheme closed in December 2016, the Equity Loan scheme and the Shared Ownership scheme are still in operation.
Help to Buy: Equity Loan scheme
This scheme, which is currently set to operate until March 2021, is designed to help those who only have a small amount available as a
deposit and who want to buy a ‘new build’ property from a registered Help to Buy builder.
Repayment, Tracker, Variable
This is the most popular and widely-available option, where you make monthly repayments for an agreed period of time until you’ve paid back both the mortgage capital and the interest.
With a repayment mortgage, or capital repayment mortgage, to give it its
full name, you pay back part of the mortgage capital and interest each month. At the outset, most of your monthly payments
will comprise of interest; over time, more of your monthly payment will be repaying the capital.
Specialist Mortgages
Some borrowers have more complex borrowing needs. These are some of the more specialist mortgages that are available.
Bad Credit Mortgages
Although getting a mortgage with bad credit can be difficult – especially if you have defaults, individual voluntary arrangements (IVAs), county court judgments (CCJs), or a bankruptcy in your credit history – it is possible.
Serving Your Financial Needs
There are several ways in which you can protect yourself and your family in the event of an untimely death.
Most people take out life assurance to provide for their families and alleviate any financial worries at a difficult time.
Commercial Lending
Whether you’re looking for a cash injection into your business for purchasing essential equipment or hiring staff, or you’re thinking about investing in commercial real estate, it’s likely you’ll need a loan to finance your expenditure.
Equity Release
Moving home can be an expensive and stressful process at any age. Many people would prefer to stay put and benefit from the ‘equity’ or value tied up in their homes, and equity release schemes allow them to do that.
General Insurance
Whether you rent or own your home, insuring it makes sense. There are two main types of home insurance to consider – buildings and contents. As the names suggest, buildings insurance protects the property itself, whilst contents insurance covers the furniture, furnishings, appliances, clothing and all your possessions.
Useful Information
Having a survey carried out on a property before you commit to buying it makes financial sense, as it can save you thousands of pounds in repair bills. There are various options available, and we can offer help and advice on choosing the type that meets your needs.
Ephphatha Financial Services Limited
Ephphatha Financial Services Limited is registered in England & Wales no. 13421786. Registered office, 122 Fair Isle Drive, Nuneaton CV10 7LL. Authorised and regulated by the Financial Conduct Authority. Ephphatha Financial Services Limited is entered on the Financial Services Register https://register.fca.org.uk under reference 957803. If you wish to register a complaint, please write to us at the address above, email us at info@ephphathamortgages.co.uk or call us on 07566 219065. A summary of our internal procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567. © Copyright 2025 Ephphatha Financial Services. All rights reserved.