Echo Finance

08/10/2026

Thinking about buying a new build home? It is a popular choice, especially for first-time buyers, but this property type can bring added complexity when you apply for a mortgage.

New build flats and off-plan purchases can mean a narrower choice of lenders, and leasehold properties can bring their own considerations, such as the length of the lease. A specialist adviser can offer guidance tailored to new build buyers and talk through any schemes that may be available.

If your deposit is limited, there may be options to explore, though the choice can be more limited. Your initial chat with an Echo Finance adviser is free, with no obligation to proceed. A fee may be charged for mortgage advice if you choose to go ahead.

This post is for general information and does not constitute personal financial advice. Property values can fall as well as rise.

To talk through your situation, call 08000 934914 or visit echofinance.co.uk.

As a mortgage is secured against your home/property, it could be repossessed if you do not keep up the mortgage repayments. Some Buy to Let mortgages are not regulated by the Financial Conduct Authority. Authorised and regulated by the FCA (570073).

Learn more: https://www.echofinance.co.uk/mortgages/advice-on/new-build-mortgage-brokers/

24/09/2026

What is a mortgage broker?

A mortgage broker, sometimes called a mortgage adviser, acts as a link between you and mortgage lenders. Their role is to understand your circumstances, talk through the types of mortgage that may suit you, and help you arrange an application with a lender.

At Echo Finance, we consider products from a wide range of UK mortgage lenders. Some brokers cover many areas of the market, while others focus on particular areas such as first-time buyers, buy-to-let or self-employed applicants.

If you would like to talk through your own situation, you can book a free initial consultation. A fee may be charged for subsequent mortgage advice.

Call us on 08000 934914 or email [email protected].

AS A MORTGAGE IS SECURED AGAINST YOUR HOME/PROPERTY, IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS. Authorised and regulated by the FCA (570073).

10/09/2026

What happens when you remortgage?

When your current mortgage deal ends, your rate often moves onto the lender's Standard Variable Rate (SVR), which is usually higher. That is why many people look at remortgaging, moving onto a new deal, before their current one finishes.

In this guide we cover what remortgaging is, when people consider it, what it can cost (from early repayment charges to arrangement, valuation and legal fees), how much equity you may need, and how a mortgage broker may help.

Remortgaging is not right for everyone, so it is worth weighing up your own circumstances. Echo Finance offers a free initial consultation. A fee may be charged for subsequent mortgage advice.

To talk it through, call 08000 934914 or visit echofinance.co.uk.

Learn more: https://www.echofinance.co.uk/mortgages/advice-on/remortgage-your-home/



AS A MORTGAGE IS SECURED AGAINST YOUR HOME/PROPERTY, IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS. Authorised and regulated by the FCA (570073).

27/08/2026

Jyotsana recently shared her experience on Trustpilot after buying her first home with our adviser Naina.

She described it as an excellent experience, praising Naina as highly knowledgeable, with great communication and customer service, and approachable, responsive and reliable throughout. She said she would highly recommend Naina as a mortgage adviser.

Every customer experience is different. If you are looking for support with a mortgage, our advisers are here to talk things through.

Call us on 08000 934914 or email [email protected].



AS A MORTGAGE IS SECURED AGAINST YOUR HOME/PROPERTY, IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS. Authorised and regulated by the FCA (570073).

13/08/2026

Tracker mortgages, explained.

A tracker is a type of variable rate mortgage: the interest rate moves up or down in line with the Bank of England base rate, set at an agreed amount above or below it for a period. If the base rate falls, you could see lower payments sooner; if it rises, your payments could go up, which can make budgeting harder.

Lenders often price trackers below comparable fixed-rate deals, and trackers can offer more flexibility, though a fixed rate gives you payments that stay the same for an agreed term of, typically, two, three or five years. Most trackers carry an early repayment charge within the introductory period, so it is worth checking the small print.

Which option may suit you depends on your circumstances and the lender's criteria. This is general information, not advice. You might consider speaking to a qualified mortgage adviser about your situation.

Call 08000 934914, email [email protected] or visit echofinance.co.uk.

Learn more: https://www.echofinance.co.uk/mortgages/mortgage-types/tracker-mortgages/



AS A MORTGAGE IS SECURED AGAINST YOUR HOME/PROPERTY, IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS. Authorised and regulated by the FCA (570073).

27/07/2026

🏏🏏🏏

We are pleased to announce that Echo Finance have sponsored our Farsley Roses 🌹for the 2027 season. Thank you Echo Finance 👏🏻🐏

23/07/2026

What is a mortgage in principle?

A mortgage in principle is an early indication from a lender of how much they may be willing to lend you, based on information such as your income and credit history. It is not a formal mortgage offer, and it is not a guarantee that your application will be accepted.

It can still be a helpful step when you are house hunting. It gives you a sense of what you may be able to borrow, and it shows estate agents and sellers that you are a serious buyer.

Every situation is different. If you would like to talk through your own circumstances, you can book a free initial consultation. A fee may be charged for mortgage advice.

Call us on 08000 934914 or email [email protected].

Read more: https://www.echofinance.co.uk/mortgages/advice-on/first-time-buyer/



YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Authorised and regulated by the FCA (570073).

09/07/2026

With an interest-only mortgage, your monthly payments cover the interest on the loan, not the capital you have borrowed. Your payments may be lower than with a repayment mortgage, but the balance does not reduce, so the full amount still needs repaying at the end of the term.

That repayment usually comes from a repayment vehicle such as savings, investments, a pension lump sum, the sale of the property, or remortgaging.

It’s worth weighing the risks too, including the chance that your property may not rise in value as hoped, or that payments could become harder to afford if interest rates rise.

Not every lender offers interest-only, and the right approach depends on your circumstances. For guidance tailored to you, speak to one of our advisers. Your first conversation is free, with no obligation. A fee may be charged for mortgage advice.

Call 08000 934914, email [email protected], or visit echofinance.co.uk.

Learn more: https://www.echofinance.co.uk/mortgages/mortgage-types/interest-only-mortgages/



YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Authorised and regulated by the FCA (570073).

25/06/2026

Here is what Emily shared on Trustpilot after working with our adviser Manju:

"Manju from Echo Finance has been absolutely amazing. She walked me through a complex remortgage, tirelessly exploring options and explaining and reassuring me as we went along. I was out of options with all other brokers but she found a way. Eternally grateful."

Every customer experience is different. If you are looking for support with a mortgage, our advisers are here to talk things through.

Call us on 08000 934914 or email [email protected].

Source: https://www.trustpilot.com/review/www.echofinance.co.uk



THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Authorised and regulated by the FCA.

11/06/2026

Fixed-rate mortgages, explained.

A fixed-rate mortgage keeps your interest rate, and your monthly repayments, the same for an initial period, usually two to five years. Many people choose to fix for the budgeting certainty it can bring.

It is worth weighing up both sides. If interest rates fall you could end up paying more than someone on a variable rate, and leaving a deal early may trigger an early repayment charge. When your fixed period ends, most deals move to a variable rate, so your payments could go up or down.

Whether fixing suits you depends on your circumstances, your plans and the lender's criteria, and any mortgage is subject to affordability and credit checks. This is general information, not personal financial advice.

To talk through your options with a qualified adviser, call 08000 934914, email [email protected] or visit echofinance.co.uk.

Learn more: https://www.echofinance.co.uk/mortgages/mortgage-types/fixed-mortgages/



THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Authorised and regulated by the FCA (570073).