Capital Ideas
IFAP logo Independent Financial Advice

Terms of  use

Privacy Policy

Site Map

page break

Capital Ideas is a trading style of Financial Horizons Ltd.  Financial Horizons Ltd is  an appointed representative of Burns-Anderson Ltd, 27 Great George St, Bristol BS1 5QT,  which is authorised and regulated by the Financial Services Authority.  Burns-Anderson Ltd is entered on the FSA register (www.fsa.gov.uk/register) under reference 126191. The information and content of this website is intended for UK consumers only and is subject to the UK regulatory regime. The FSA do not regulate some forms of mortgages or tax planning services.


Financial Horizons Ltd Registered Office 70 Victoria Road, Darlington, Co Durham DL1 5JG. Registered in England no. 07714109.

Copyright 2010 © Capital Ideas

Site designed by gr8websites.co.uk

Finding the right mortgage

Choosing the right mortgage deal isn’t just a case of finding the cheapest monthly payments or the lowest interest rate.  There are so many mortgage lenders and so many different deals that it’s easy to make a decision that you come to regret.


With fixed rate, discount, tracker, cashback, offset, flexible, combined personal borrowing, and foreign currency mortgages available, it’s a real minefield.  


We’ll talk to you about what you need, so that we can advise you which is the best mortgage deal for your individual circumstances.  And as independent mortgage brokers we’re well placed to find the cheapest mortgage rates that fit your needs.


Bank and building society mortgages often come with large fees and hidden detail.   Take advantage of our mortgage advice service to make sure that your dreams don’t turn into nightmares.


This site aims to help you to get to know a little about mortgages before you make probably the biggest financial commitment of your life.  Look around, but remember, financial advice can save you time and money.  contact us for help in choosing the best mortgage for you.




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

Interest rates