# ZELUS

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Smart Advice. Tailored Mortgages. Real Results

## Sitemaps

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## Pages

- [Home](https://zelusmortgageandfinance.com/): Zelus Mortgage & Finance Z Here to make mortgages simple, transparent, and tailored to you. Whether you're buying your first home, remortgaging, or investing, we're with you every step of the way no pressure, smart advice you can trust. Contact Us Find out more Z Getting on the property ladder is tougher than ever. With
- [Remortgage](https://zelusmortgageandfinance.com/remortgage/): Remortgage Z Get Started Contact Us Z Remortgaging Remortgaging means switching your current mortgage to a new deal, either with your existing lender or a new one, without moving home. It’s a smart financial step that can help you reduce monthly payments, secure a better interest rate, or release equity from your property. Why Remortgage?
- [Buy to let](https://zelusmortgageandfinance.com/mortgages/buy-to-let/): Buy To Let Z Get Started Contact Us Z Buy to let Buy-to-Let mortgages are designed for those looking to purchase property to rent out. Whether you’re a first-time landlord or growing your portfolio, this type of mortgage focuses on the property’s rental income potential rather than just your personal salary. How It works Unlike
- [MORTGAGES](https://zelusmortgageandfinance.com/mortgages/): Mortgages Z Get Started Contact Us Z Find out more about our trusted services and take the first step toward securing the right mortgage for your future. Below we have some information that might help you decide the type of mortgage that suits your needs, if any of these are what you are looking for
- [Interest Only Mortgage](https://zelusmortgageandfinance.com/interest-only/): Interest Only Mortgage Z Get Started Contact Us Z Interest Only An interest-only mortgage lets you pay just the interest on your loan each month, keeping monthly payments lower than a traditional repayment mortgage. However, the original loan amount (the capital) must be repaid in full at the end of the term.This mortgage option offers
- [Shared Ownership](https://zelusmortgageandfinance.com/shared-ownership/): Shared Ownership Mortgage Z Get Started Contact Us Z Shared Ownership A shared ownership mortgage allows you to buy a portion of a home, typically between 10% and 75% while paying rent on the rest to a housing association. This government-backed scheme is designed to help first-time buyers and lower-income households enter the property market
- [Book a free consultation](https://zelusmortgageandfinance.com/bookafreeconsultation/): Book A consultation Z Contact Us Z Z
- [Contact](https://zelusmortgageandfinance.com/contact/): Contact Us Z Z We’re here to help you every step of the way.Whether you’re just starting to explore your mortgage and insurance options or you’re ready to take the next step, our team at Zelus Mortgage & Finance is ready to assist you with expert, personalised advice. Z Get Intouch Phone: 0330 043 7972
- [Self Employed](https://zelusmortgageandfinance.com/self-employed/): Self Employed Z Get Started Contact Us Z Self-employed mortgages Self-employed mortgages aren’t a separate type of product, they’re standard mortgages with a more detailed income assessment. Whether you’re a sole trader, company director, freelancer or contractor, lenders will need more evidence to verify your earnings, which can make the process feel more complex. Common
- [Bridging Loan](https://zelusmortgageandfinance.com/bridging-loan/): Bridging Loan Z Get Started Contact Us Z Bridging Loan A bridging loan is a short-term finance option designed to help you secure funds quickly, often within days. It’s commonly used to bridge the gap between selling one property and buying another, buying at auction, or completing renovations. Bridging loans are secured against property and
- [First Time Buyer](https://zelusmortgageandfinance.com/mortgages/first-time-buyer/): First Time Buyer Z Get Started Contact Us Z First Home A first-time buyer mortgage is a loan designed specifically for individuals who are purchasing their first property. With lower deposit requirements and exclusive deals, these mortgages help you get on the property ladder sooner, even with as little as 5% down. How It works
- [Calculators](https://zelusmortgageandfinance.com/calculators/): Calculators Z Get Started Contact Us Z Thinking about buying a home, moving, or remortgaging? Our easy-to-use mortgage calculators are here to help you get a clearer idea of what’s possible, before you dive into the details. By popping in a few key bits of info, you can quickly see things like how much you
- [INSURANCE](https://zelusmortgageandfinance.com/insuarance/): Insurance Z Get Started Z Unexpected life changes can happen at any time and without the right cover, your home and financial wellbeing could be at risk. A mortgage is one of the biggest financial commitments you’ll ever make and protecting it should be a top priority. Life is unpredictable, and the right insurance can provide
- [Stamp Duty Calculator](https://zelusmortgageandfinance.com/stamp-duty-calculator/): Stamp Duty Calculator Z Our Stamp Duty calculator provides an estimate of the Stamp Duty Land Tax (SDLT) you may need to pay when purchasing a property. By entering key details such as the property price, your residency status, and whether you’re a first-time buyer or purchasing an additional property, the calculator quickly works out
- [LTV Calculator](https://zelusmortgageandfinance.com/ltv-calculator/): Loan To Value Calculator Z Our Loan-to-Value (LTV) calculator helps you determine the ratio between the loan amount you need and the value of the property you’re looking to purchase. By entering the property value and your available deposit, the calculator quickly estimates your LTV percentage. This figure is important because it can influence the
- [Repayment Calculator](https://zelusmortgageandfinance.com/repayment-calculator/): Repayment Calculator Z Our mortgage repayment calculator estimates your monthly repayments based on a few key details you provide, including the loan amount, interest rate, loan term, and repayment type (capital and interest or interest-only). Using this information, the calculator gives you an approximate figure of what your repayments could look like over time. It’s
- [Affordability calculator](https://zelusmortgageandfinance.com/affordability-calculator/): Affordability Calculator Z Our mortgage affordability calculator helps you estimate how much you may be able to borrow based on the key financial details you provide, such as your income, monthly expenses, existing debts, and deposit amount. By analysing these inputs, the calculator gives you a general idea of your borrowing capacity and helps you
- [Terms & Conditions](https://zelusmortgageandfinance.com/terms-conditions/): Z Terms Of Service 1. IntroductionThis document outlines the services we provide. It is an important document, so please make sure you read it carefully. If you have any questions, please feel free to contact us. Last updated 02/09/2024You should read this document alongside our Privacy Policy.2. Who We AreZelus Mortgage & Finance is an
- [Fact Finder](https://zelusmortgageandfinance.com/fact-finder/): Lets Get To Know You Z Before we get started, we’d love to get to know you a bit more. The form below asks for some key details about your finances and property plans so we can give you the best possible advice. It helps us understand your situation and come prepared to make your
- [Application type](https://zelusmortgageandfinance.com/application-type/): Lets Get To Know You Z Will this be a sole application or a joint application? Sole Application Joint Application Z
- [Insurance Fact Find](https://zelusmortgageandfinance.com/insurance-fact-find/): Lets Get To Know You Z Before we get started, we’d love to get to know you a bit more. The form below asks for some key details about your finances and property plans so we can give you the best possible advice. It helps us understand your situation and come prepared to make your
- [Joint Fact Finder](https://zelusmortgageandfinance.com/joint-fact-finder/): Lets Get To Know You Z Fact Finder Form Applicant 1Applicant 1 Full Name *Date Of Birth *Select Date Of BirthSex *SelectMaleFemaleOtherNational Insurance Number *Marital Status Select statusSingleMarriedCivil PartnershipDivorcedWidowedNationality *Select NationalityAfghanistanÅland IslandsAlbaniaAlgeriaAmerican SamoaAndorraAngolaAnguillaAntarcticaAntigua and BarbudaArgentinaArmeniaArubaAustraliaAustriaAzerbaijanBahamasBahrainBangladeshBarbadosBelarusBelgiumBelauBelizeBeninBermudaBhutanBoliviaBonaire, Saint Eustatius and SabaBosnia and HerzegovinaBotswanaBouvet IslandBrazilBritish Indian Ocean TerritoryBruneiBulgariaBurkina FasoBurundiCambodiaCameroonCanadaCape VerdeCayman IslandsCentral African RepublicChadChileChinaChristmas IslandCocos (Keeling) IslandsColombiaComorosCongo (Brazzaville)Congo (Kinshasa)Cook
- [Privacy Policy](https://zelusmortgageandfinance.com/privacy-policy/): Z Privacy Policy 1. Introduction This privacy policy relates to https://zelusmortgageandfinance.com Zelus Mortgage & Finance informs you the customer, what to expect and how we collect data and information held about you. 2. Data Collected This version was last updated on 01/10/2020 and we regularly review to ensure the accuracy ofthe document. This Privacy Policy