Flexible

Mortgages

Interest only, repayment, or both. As an Adam client, our mortgage service can help you buy, remortgage or improve your home or investment property.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Over 18s only. Terms and conditions apply and not all mortgage products may be eligible.

Financing

your Home

When you are moving home, or moving lender, you will want to deal with someone who can act swiftly, and offer a mortgage that suits your lifestyle. Make your Adam private banker your first point of contact.

  • Variable rate

    Choose from a range of variable rate products to suit your unique circumstances

    Variable rate mortgages provide flexibility and the freedom to repay at a point that suits you. Adam offers an extensive range of variable rate mortgages which are astutely tailored for your real estate objectives.

    Whether you are buying, remortgaging or improving residential or investment property, we offer a selection of terms and repayment options, with the ability to make lump-sum reductions at any stage during the term, with no early repayment costs.

    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

    Over 18s only. Terms and conditions apply and not all mortgage products may be eligible. You may need to provide additional security or reduce the amount of your borrowing if exchange rate movements cause the sterling value of your currency borrowing to exceed a stated percentage of your property's valuation. Changes in the exchange rate may increase the sterling equivalent of your debt.

  • Fixed rate

    Certainty around your monthly repayments during the fixed term

    With pre-agreed monthly repayments throughout the term of your mortgage, fixed rate mortgages offer certainty for the duration of the fixed term, regardless of interest rate movements.

    Adam fixed rate mortgages run over a range of terms, including two, five and ten years, following which the product will convert to Adam Variable Rate mortgage. Your private banker will work closely with you at the start and the end of the term to ensure the best solution for your requirements at that time.

    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

    Over 18s only. Terms and conditions apply and not all mortgage products may be eligible. You may need to provide additional security or reduce the amount of your borrowing if exchange rate movements cause the sterling value of your currency borrowing to exceed a stated percentage of your property's valuation. Changes in the exchange rate may increase the sterling equivalent of your debt.

  • Remortgaging

    Forward-thinking solutions, perfectly tailored for your changing requirements

    Whether your current mortgage is coming to an end, you wish to release equity, or your home financing needs have changed, Adam offers a broad range of remortgaging options.

    Our private bankers will work closely with you to consider the right solution, shaped to suit your needs and your wider wealth, now and in the future.

    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

    Over 18s only. Terms and conditions apply and not all mortgage products may be eligible. You may need to provide additional security or reduce the amount of your borrowing if exchange rate movements cause the sterling value of your currency borrowing to exceed a stated percentage of your property's valuation. Changes in the exchange rate may increase the sterling equivalent of your debt.

Specialist

Mortgage Solutions

For our clients with more sophisticated borrowing requirements, we offer a number of arrangements that can be precisely tailored to offer a bespoke solution.

  • Mortgage reserve account

    Flexible borrowing as part of your wealth management strategy

    With a Mortgage Reserve Account we agree a borrowing limit at outset. You are then free to draw funds at any time, for example to buy a second home or fund an investment opportunity.

    When you have surplus funds, you can make reductions to your facility. You can draw on these again at any time, provided you don’t exceed your overall borrowing limit. Unlike other mortgage products of this type, you can take a proportion of your borrowing at a fixed rate.

    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

    Over 18s only. Terms and conditions apply and not all mortgage products may be eligible. You may need to provide additional security or reduce the amount of your borrowing if exchange rate movements cause the sterling value of your currency borrowing to exceed a stated percentage of your property's valuation. Changes in the exchange rate may increase the sterling equivalent of your debt.

  • Buy to let

    Variable, tracker or fixed rate mortgages to help develop your property portfolio

    A buy to let mortgage from Adam & Company can help you to buy, remortgage, or fund improvements to residential investment property. There is no limit to the number of properties we will consider — from a single property to multiple investment purchases.

    When we assess affordability we take rental income from the property into account.

    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

    Over 18s only. Terms and conditions apply and not all mortgage products may be eligible. You may need to provide additional security or reduce the amount of your borrowing if exchange rate movements cause the sterling value of your currency borrowing to exceed a stated percentage of your property's valuation. Changes in the exchange rate may increase the sterling equivalent of your debt.

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For more information about Adam
products, please speak to your
adviser.

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0131 225 8484  to find out more
about our services.

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