If you can answer yes to the following questions, you are on your way to applying for a GE Money mortgage: - I am a UK resident
- I am 18 years old or over
- I have a regular income above £10,000 per year
- My property value is higher than the loans secured against it
 Back to top We aim to complete your mortgage within 6 weeks. Click here for an overview of how we will deal with your application. Back to top We treat you as an individual and consider everyone’s circumstances whether you’ve - Had County Court Judgements (CCJs)
- No conventional proof of income
- Been in arrears with a mortgage
- Previously been bankrupt
Back to top Yes. We offer competitive rates based on your individual circumstances so if you've got a good record, you'll get a rate to match. Back to top The answer depends on your income and outgoings as well as the amount of equity you have in your current home (if that applies). As a responsible lender, GE Money will not lend more than you can afford. Back to top Your interest rate will depend on your personal circumstances, the amount you want to borrow and the type of product you would like. Please call 0800 528 2838 (Mon - Thurs 8am to 8pm, Friday 8am to 7pm) and one of our mortgage team will answer your questions.
To view a guide of typical fees associated with one of our mortgage accounts, click here. Back to top There is no separate valuation fee. This fee is included in the mortgage arrangement fee and this fee is added to your loan.  Depending on the product, you take with GE Money there may be a separate fee payable to solicitors. Our mortgage advisors will give you full details. Back to top Yes, but fees may apply. If you are an existing customer the details will be outlined in the mortgage offer or call our customer services team on 0800 528 2838 or click here to enquire online. Back to top You have the option to take Payment Protection Insurance (PPI), which covers your monthly payments if you’re unable to work due to accident, sickness or unemployment. For details, call 0800 528 2838.
Click here for a consumer guide that will outline the conditions or our Payment Protection Insurance (PPI).
If you are having difficulties paying an existing GE Money mortgage, please call us on 0870 243 2240 and one of customer services team will discuss the options with you.
To view a guide, created by the FSA, on “What to do if you can’t pay your mortgage”, click here
GE Money have created a PDF guide to help you take control of your money, click here to view a copy. Back to top Do I need to have home insurance to get a mortgage? One of our mortgage requirements is that you have insurance to cover your property against unforeseen circumstances. If you don’t already have home insurance, we now have a home insurance product available through Heath Lambert Insurance Services. To learn more, either click here to go to our home insurance section, or call on 0845 001 1014 quoting ref GE08IN. Back to top
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. For new customers, an arrangement fee of 3.0% of the advance - minimum of £1,500 to a maximum of £4,000 will be charged, plus a typical completion fee of £1,295.00. For existing customers, an arrangement fee of 3.0% of the advance - minimum of £1,250 to a maximum of £4,000 will be charged, plus a typical completion fee of £1,295.00. Any changes to an existing account may be subject to early repayment charges that are part of the terms and conditions of your mortgage.
To view a guide of typical fees associated with one of our mortgage accounts, click here. Please read important information | | |
