MISSION STATEMENT:
“With over 15 years experience, ISM Financial Management has built an excellent reputation for providing quality advice and ongoing client care which are of utmost importance to our business.”
Mortgage Products
Besides having to choose between a Repayment and Interest Only mortgage, there are many mortgage products available to choose from, such as:

Fixed Rates
Discounted Rates
Standard Variable Rates
Cap & Collar Mortgages

Fixed rates allow you to budget effectively since for a specific period your interest rate, and therefore your mortgage payment, remains the same. It is important to remember that you are likely to be ‘tied in’ to this kind of mortgage for the period of the fixed rate.

Discounted rate mortgages give you a discount below the lenders Standard Variable rate. However, when the Standard Variable rate changes your mortgage payment will change with it.

Standard Variable rate mortgages are, well, variable! The amount of your monthly payment is linked to the lenders current rate of interest and will change when the SVR changes. The advantage of this however, is that you are unlikely to be ‘tied in’ to this kind of mortgage and would be free to move lenders without incurring any financial penalty.

Cap & Collar mortgages a variable rate mortgages but promise not to charge beyond a certain level of interest and will not charge below a certain level of interest.

Choosing the most appropriate mortgage is not easy. We are happy to spend the time helping you to understand the different methods of paying a mortgage since everyone’s circumstances are unique.
investment strategies
pension planning
family/business protection
tax planning
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