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Mortgages

Mortgages

What is an Approved Solicitors Panel?

Our Approved Solicitors Panel is made up of a group of solicitors we've worked with before and trust to act on your behalf. Take a look through the pdf to find a solicitor near to you. 

If you choose to appoint a firm that is not on our panel, we will require our own partner Solicitor to act on our behalf. You will be responsible for our legal fees in addition to your own legal fees. 

What charges might I incur with my Cambridge Mortgage

There may be fees associated with your mortgage from getting it to changing or ending it. We want to make sure you understand the fees that may apply to you, so, we've worked with the Council of Mortgage Lenders and Which? to show these clearly, take a look at the pdf to see all our fees. 

My Solicitor isn't on your panel, can they join it?

Solicitors that are using Lender Exchange can join our panel. They'll need to log in at www.lenderexchange.co.uk and apply to join there. 

Solicitors not on Lender Exchange can call them on 0344 244 3784 to discuss the application process.

Base Rate change: I’ve got a fixed rate mortgage, what does this mean for me?

Your interest rate won’t change for the duration of your fixed rate term.

Base Rate change: I’ve got a residential variable rate mortgage, what does this mean for me?

It’s likely that your interest rate will increase and your minimum monthly payment will change. If that’s the case you’ll get a letter in November letting you know what your new minimum payment will be.

Base Rate change: What is your Standard Variable Rate and what will it change to?

Our current Standard Variable Rate is 4.74%, from 30th November 2017 our Standard Variable Rate will be 4.99%. Our Variable Home Loan Rate is changing on the same day to 2.50%.

Base Rate change: When will you be changing your rates?

Our Standard Variable Rate and Variable Home Loan Rate will change on 30th November 2017.

Base Rate change: When will you let me know what my new repayment amount will be?

You will receive a letter in November advising you of your new minimum payment.

Base Rate change: I have a mortgage payment holiday arrangement in place – will this still stand?

If you have an agreed mortgage payment holiday in place this will continue and we’ll let you know of any changes to your repayments before your arrangement comes to an end.

Base Rate change: I’ve recently applied for a mortgage with The Cambridge – will this affect my application?

It’s business as usual processing our mortgage applications. However, if the mortgage product you’ve applied for is linked to our Standard Variable Rate, we’ll write to you after completion to confirm your new rate and the amount you will repay each month.