Get it right first time
Getting a mortgage for the first time can be daunting but that’s where our advisors come in. Get expert, qualified and unbiased advice to help find you the best mortgage deal and save time, stress and money.
Getting a mortgage for the first time can be daunting but that’s where our advisors come in. Get expert, qualified and unbiased advice to help find you the best mortgage deal and save time, stress and money.
When looking for a mortgage for the first time you are not only making what will likely be the biggest financial commitment of your life, but you’re also taking on an industry full of jargon and legions of lenders fighting for your custom.
Avoid the confusion and hassle by turning to our advisors, who can provide expert, qualified and unbiased advice to help find you the best mortgage deal to suit your individual needs.
Our team will be there to answer any questions you have along the way, seeing you through your mortgage journey from start to finish. Helping find you the best deal is just the start, our processing team will assist you with preparing the paperwork for your application and ensuring your mortgage completes to enable you to move into your new home.
Getting a mortgage is often a stressful and complicated process, especially if you have never done it before.
That’s why having a qualified, expert mortgage broker on your side to guide you through the process from start to finish can be invaluable.
We break down the legal jargon, complicated interest rates and long-winded terms of the mortgage industry to help you choose the best and most suitable deal for you.
We search the land to work with the biggest names and specialist lenders to provide our customers with the widest choice of options. Our qualified, expert advisors will match your needs with the right provider, giving you peace of mind that you’ve secured the best deal possible.
A mortgage is a type of loan secured on a property you’re looking to purchase. For most people this allows them to purchase a home they would not be able to afford otherwise, whilst securing the loan gives the lender security so they can lend you the required amount at a low rate of interest. If the loan repayments are not maintained the lender may repossess the property and sell it on to recover their money. Once the mortgage term is completed the homeowner’s ongoing payments end.
Generally speaking yes, but an independent valuation needs to be carried out on the property before a lender will agree to provide the mortgage. Some properties, such as specialist construction properties, are not accepted by all lenders; however your mortgage advisor will be able to assist if this applies to you.
Different lenders will assess your income in different ways, depending on your circumstances such as whether you are employed or self-employed. By working with us you can ensure your income will be matched to a lender that will more likely accept your application, reducing the risk of failed applications and additional credit checks which could damage your credit score. Get in touch with us to find out more.
‘Loan to Value’, which you may see written as ‘LTV’, is basically how much of the property price you need to borrow. For example, if you were looking to purchase a £200,000 property with a £20,000 deposit you would have a 10% deposit, and your LTV would therefore be 90%. When looking at mortgages and remortgages the less you need to borrow the less of a risk you are to a lender, and your interest rates will be more competitive as a result.
Put simply, we’ll search a wide range of providers to find the best mortgage deal for you. Getting a mortgage can be an intimidating prospect, but our friendly and professional advisors will guide you through your options and manage the whole process from start to finish.
We are authorised to give professional advice as to the best way forward for your needs and situation, as opposed to just providing ‘information’ which sets us aside from many other ‘experts’ in the field, and can give you more balanced advice than if you went directly to a provider like your bank or building society.