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Mortgage Broker?

A mortgage broker, or adviser, is someone who will review the mortgages available to you based on your personal financial situation and apply for one on your behalf. They can save you time by telling you which lenders are likely to accept you and how to improve your application, and can speed up the process by dealing with some of the paperwork.

Using a broker can save you a lot of time and stress, as they will handle everything from searching for a deal to applying and communicating with the lender on your behalf. Mortgage brokers have expert knowledge of the mortgage market and will be able to recommend deals that suit your personal situation.

They should also have access to software that allows them to search mortgage deals much faster and more thoroughly than you could yourself. A good broker will know which lenders are most likely to accept you and help you steer clear of applying for deals you’re unlikely to get (which can have a negative impact on future applications).

Our EXPERTS CAN HELP YOU WITH:

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WHY CHOOSE US?

PROFESSIONAL MORTGAGE ADVICE

Our mortgage advisors are all fully qualified and have many years of experience.  Mortgage advice is a regulated activity; which means that in order to provide mortgage advice, advisors have to be deemed competent to fulfil this role.   As your mortgage is likely to be the biggest financial commitment you make, taking mortgage advice from an experienced and competent mortgage broker is essential.

Finding the right mortgage to suit your needs can be a challenge, especially with so many different deals available. This is where  our mortgage advisers can be of help by giving you the very best advise available.

We will not only help you secure a mortgage but we will access the whole market to find you the best product for your circumstances and requirements.

We will deal with all of the administration for your mortgage and insurance to ensure that you can move into your new home as fast as possible.

Your home may be repossessed if you do not keep up repayments on your mortgage

Mortgage's

FAST

Get in touch today and movie in to your new property in no time, with years of experience we promise to deliver on provided dates!

SIMPLE

Simply tell our experts what you need and the whole procedure will be explained to you step by step in plain English!

AFORDABLE

Once you provide our experts with all required information you will be provided with a affordable transparent quote, no hidden fees whatsoever!

Our EXPERTS CAN HELP YOU WITH:

  • CONTRACTOR MORTGAGES
  • BAD CREDIT MORTGAGES
  • COMMERCIAL MORTGAGE
  • BRIDGING FINANCE
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FREQUENTLY ASKED QUESTIONS

How does a Mortgage work?
How does a Mortgage work?

A Bank or Lender loans money with interest. In return their loan is secured against the value of a person’s property. The details of the loan agreement are registered against the Title of that property- this is known as a mortgage.

I have bad credit, will this be a problem?
I have bad credit, will this be a problem?

This will not prevent you from getting a mortgage. Our mortgage advisors have great success in helping clients with adverse credit. There are a number of lenders that our mortgage advisors work closely with who are more favourable to clients who have previously had trouble sourcing finance.

How much can I afford?
How much can I afford?

There is no prescribed criteria to determine what you can borrow. The amount you qualify for will be determined by the purchase price of the property, the deposit you are able to put down, your income and monthly expenses. Our brokers are able to give you an indication over the phone or a full agreement in principal, .book an appointment today

What you need to consider when looking for a mortgage?
What you need to consider when looking for a mortgage?
  • the size of deposit you are able to put down;
  • the amount you can afford to borrow;
  • mortgage term;
  • up front costs – e.g. solicitor / conveyancer fee; valuation / survey fee, higher lending charge, mortgage arrangement fee, mortgage booking fee, mortgage adviser fee*, stamp duty, land registry fees;
  • ways of repaying your mortgage:
      • capital and interest mortgage, or
      • interest only mortgage;
  • mortgage interest rates – mortgage rates are linked to the Bank of England base rate, and they are also linked to the rates at which banks lend money to each other. Most popular mortgage rates:
      • fixed rate,
      • variable rate,
      • other mortgage rates available: e.g. discounted, tracker, offset, collar or capped