What is a mortgage?

A mortgage is likely to be one of the largest financial commitments that you make in your lifetime. It is an extremely important decision, not to be taken lightly. 


'A legal agreement by which a bank, building society, etc. lends money at interest in exchange for taking title of the debtor's property, with the condition that the conveyance of title becomes void upon the payment of the debt.'

Types of mortgage

First time buyer

You will want to know how much you can borrow and what the different types of rate available are e.g. fixed, variable, discounted, capped, etc. You will need to understand why the term of the mortgage is important.

ZenFi has access to hundreds of products across the whole of the market to and will advise on the product that is right for you and your circumstances.  Rather than limiting your options to a bank, building society or an estate agent.



Are you nearing the end of your current mortgage deal or fixed rate and want to know what the best options are available to you. Perhaps your life circumstances have changed and you need to rethink.

Speaking to a qualified Mortgage Adviser can help you understand the pros and cons and enable you to access whole of market deals that are right for you.

Home Mover

Has your family expanded (or contracted)? Do you need to re-consider where you live? Your current lender may not be able to offer you the most favourable rates on the market.

Buy To Let

Designed for investors and private landlords who do not intend to live in the property. 


Some buy to let mortgages are NOT regulated by the Financial Conduct Authority.

Protection Services

Don't take any chances.  ​A positive outlook is always a great stance but life does have a way of 'happening' when we least expect it. Considering potential financial hazards isn't negative - it's realistic.

A fatal accident or the onset of a terminal illness could mean that the main breadwinner was unable to work or the person caring for the children could no longer cope. So planning for these unforeseen circumstances will provide peace of mind if the unthinkable does happen.


Critical Illness Cover

Provides with a tax-free lump sum in the event of your being diagnosed with a commonly defined critical illness.  Like life assurance, critical illness cover can be taken as a fixed lump sum, a regular monthly payment or can decrease in line with your mortgage.

Income Protection

If you have an accident or suffer a long-term sickness, income protection will pay out a monthly income in the form of a percentage of your salary.  It will provide you with assurance that you maintain your lifestyle should you fall ill or have an accident and become unable to work.

Accident, sickness and unemployment

This insurance is suitable for people who are concerned about losing their income through long-term sickness or unemployment.

Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against the loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk

The information and content within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.