Mortgages
 Sandham, Davies & Jones Ltd has transacted mortgages, both residential and commercial, since the company was first established. Special software that looks across all UK lenders means clients can be certain they will always receive a good deal.
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Residential Mortgages
There are many types of residential mortgage. The following categories cover those available from most mainstream lenders:
 Variable Rate / Variable Rate discount - Tracker
- Fixed Rate
- Capped
Each of the above may be arranged on a repayment or interest only basis. Opting for a repayment mortgage means there is never a danger of any shortfall since both the interest and capital is being repaid over the duration of the loan. Interest only mortgages include categories such as endowment, ISA, and retirement mortgages.
Buy-to-Let Mortgage
 This type of mortgage is used by individuals who wish to purchase a property and then let it back out. Each lender will have its own view as to the level of deposit and rental income required. Such mortgages may be established on a repayment or interest only basis.
Commercial Mortgages
A commercial mortgage (or business mortgage) is simply a loan secured against a property used for business purposes. It provides a flexible and affordable solution that gives you access to funds and is normally considered the best way to finance the purchase of buildings or land for business purposes.
We provide long term finance on properties including:
- Farms
- Pubs, restaurants
- Shops, shops with living accommodation
- Hotels, guest houses, holiday lets
- Industrial units, factories, offices, warehouses
Commercial mortgages can be used for a var purpose by the applicant including:
- New business start-ups
- Business turnaround solutions
- Short term finance and debt consolidation
- Working capital raising
- Property improvement
- Business expansion
Retirement Mortgages
This type of mortgage is designed for pensioners with a good level of income who wish to release a lump sum from surplus value in their home, but who do not like the way in which interest is compounded under equity release. Such mortgages are established on an “interest only” basis. Money is released, interest costs are paid monthly, and the debt is always held at the original level right through to death.
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