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Capital Ideas is a trading style of Financial Horizons Ltd which is authorised and regulated by the

Financial Conduct Authority, FCA reference No 587075.  Registered in England, company No 07714109.  Registered office 77 Woodcrest  Road Darlington DL3 8EE


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What we cover

Cashback deals

A cashback mortgage is simply a mortgage where an amount of money is paid back to you after your mortgage has been completed, that you can use as you wish.  Cashbacks can be useful, but when looking for a mortgage it is important to weigh up all of the features, to see which mortgage offers the best value overall.


With some mortgages the main feature is a cashback.  The amounts involved can sometimes be large, but be aware that the cashback doesn't come for free.  You’re likely to have to stay with the mortgage lender for a long period before you are able to move on without being charged a redemption penalty.  And redemption penalties can run into thousands of pounds.


Many discount mortgages, fixed rate mortgages and tracker mortgages also offer cashback.  The amounts tend to be fairly small, and remember that you are unlikely to get the very lowest interest rate.  Cashbacks are sometimes available on remortgage deals, to help with valuation fees and legal fees.  These may be in addition to any discount or fixed rate deal.  Again, this is likely to affect the interest rate that you are offered.

Be sure that you’re aware of the hidden costs and pitfalls  before taking any mortgage.


As independent mortgage advisors we’re well placed to find the cheapest mortgage rates that fit your individual needs.


Don’t forget, too, that a mortgage loan is probably the biggest commitment you’ll take on, so you need advice on how to make sure that the dream doesn’t turn into a nightmare.


To get on with finding the best mortgage deals for you, just contact us to discuss your needs.


Alternatively, if you want to get to know about the types of mortgage deal and repayment methods, feel free to look around our site.



Your home may be repossessed if you do not keep up repayments on your mortgage


Our typical mortgage advice fee is 0.5% of the amount borrowed.  This depends on individual circumstances

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