As you know, borrowing money from a financial institution involves a legal contract whereby you are required to pay back the amount borrowed by a specified time, with interest. Some of the most common types of borrowing include loans and mortgages. Failure to pay back the amount owed by the specified date can have serious financial repercussions.

The D.A Calder Approach to borrowing

We believe in responsible borrowing. This ensures that you are never financially compromised or face future financial difficulties if unexpected circumstances arise, which they often do. We can help you find a mortgage or re-mortgage. . We will fully assess your current financial situation and understand your financial goals before offering you independent advice on a range of mortgage products from across the market.

Browse our range of borrowing services below:


Residential mortgages

A mortgage is the single biggest financial loan many people will ever take. However, for those looking to take their first step on the property ladder, the hundreds of mortgages options can be daunting. Even for those looking to re-mortgage, there are a myriad of options available. We will discuss your options and provide you with the information you need to make the best decision for your financial circumstances.



A volatile stock market and low interest rates on savings accounts has led to an increase in people investing in second homes to rent out. Buying a second home as an investment option will require a buy-to-let mortgage. Becoming a landlord will mean that you need to understand your income tax and capital gains tax liabilities. We can advise on all aspects of buying a second home and the options for buy-to-let mortgages.


Equity Release

“Equity” in your home is the difference between the value of your property and the balance of any debt that is secured on your property, such as a mortgage. Equity release is a term for a range of financial products designed to help you turn the equity you have in your property into money you can use immediately. There are many types of Equity Release options and we can guide you to find the best option for your own individual needs.

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