Capital Ideas page break IFAP logo Independent Financial Advice

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

Flexible Mortgages

A flexible mortgage should do what it says - be flexible.


Flexible mortgages come with many different features, often including:



These features are often available from mortgage deals that do not describe themselves as flexible, so it pays to employ a professional mortgage advisor to research the market for you.


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


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

The mortgage maze

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.  Read our lenders’ costs document for more information.


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