Established and managing okay?

Plan now...
  • Can you afford a bigger mortgage if you upsize?
  • Want to make overpayments to reduce the term and the amount of interest you pay?
  • Want to invest in property? See what Buy-to-let mortgages are available, and consider the tax implications.

Plan now

Optimise your money
You may want to consider using any additional money you have to overpay on your existing mortgage. This will not only reduce the term but will save you money as you pay less interest. Look to see if your current mortgage deal allows for overpayment and if there are any limits in what can be overpaid.

Looking to invest in property?
A Buy-to-let is where a property is bought specifically to be rented out to tenants rather than live in by the purchaser.

Whilst there are financial benefits to investing in property there are also risks. You may get tenants who don't pay their rent and being a landlord can bring extra pressures. Consider taxes, mortgage and maintenance costs before deciding if owning a rental is a wise financial move.

To make any financial gain make sure the rent charged is more than the Buy-to-let mortgage repayments and any additional expense such as maintenance costs, agency fees etc.

We can help you


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"You were all fantastic from start to finish. Everything was explained well and made super easy for us. Thank you all very much."
Lee – Police Officer


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Mortgage Excellence Plc, trading as Police Mutual, is authorised and regulated by the Financial Conduct Authority. Registered in England & Wales No. 03527577. Registered office: Alexandra House, Queen Street, Lichfield, Staffordshire, WS13 6QS.