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A whole of market mortgage broker has access to over 90 lenders and will be able to confirm which mortgage is best for you
Getting the right mortgage advice could save you money. Lots of it!
A mortgage broker will complete the mortgage application on your behalf meaning you won’t have to
A broker will know which banks lend the most and will be able to tell you exactly how much you may be able to borrow
Buying a home is a minefield so having the experience of an expert broker to lean on can be invaluable
Finding and applying for the right mortgage is time consuming and you have better things to do so why not let a broker do it for you?
Coming to the end of your current fixed-rate mortgage deal? A whole-of-market mortgage broker will be able to compare over 12,000 mortgages in order to get you the very best interest rate possible meaning your repayments could be significantly lower than they are now
If you're buying property as an investment or buy to let it is even more important to get the right advice. Paying just £100 more interest than you should for your mortgage each month adds up to £6,000 of your profits wasted over a 5 year fixed rate deal!
If you're trying to get onto the first rung of the housing ladder then you need all the help you can get! A mortgage broker will hold your hand through the entire process offering expert advice on special schemes like Help to Buy and the conveyancing process
Having purchased a property before, you already know how tricky and stressful the conveyancing process can be. Using a mortgage broker will ensure you get the best possible mortgage deal and you have expert help on hand should any problems arise
Generally high net worth people are cash rich and time poor and what little time they have is spent yachting and not filling out mortgage applications. A mortgage broker will gladly conduct all of the research and submit as many applications as you like without you lifting a finger
If your property is anything other than standard construction then some lenders may not accept it as security. Blocks of flats, ex-local authority, large acreage, cladding, unusual construction types can be hard to mortgage but using an expert mortgage broker will give you the best chance possible
An adverse credit history can make securing a mortgage difficult but a mortgage broker will have access to specialist lenders that will gladly consider most circumstances. And if it's not possible to get a mortgage right now they will be able to tell you what you need to do to get one in the future
If you're not from Great Britain then it's still possible to get a mortgage and a mortgage broker will be able to explain exactly what your options are. These will depend on your residency status, employment and various other things so it is imperative you get the best advice possible
If you're self employed or the director of a company then it can be tricky to find the right lender. Your affordability is worked out differently and you may find some banks are just not willing to lend to you at all. Speak to a mortgage adviser who will be able tell you which lenders would be glad of your business
Contractor mortgages have a whole new set of rules again! Speak to an expert in home finance to find out exactly how much you can borrow and how much it will cost each month. A mortgage broker may even be able to help you find a mortgage if you have only just started as a contractor
Teachers, nurses, doctors, firemen and the police can all get special mortgage products often with extended borrowing and lower interest rates. Speak to a mortgage broker to find out what special key worker mortgage product might be suitable for your circumstances
It is possible to secure a mortgage with just a 5% deposit but it's not easy! As this is seen as a high risk mortgage, each lender will have different criteria that you must meet which a mortgage adviser will be able to explain to you in easy to understand English
Access to high street lenders and specialist banks that don’t advertise on price comparison websites
Want the best deal? Let a mortgage broker compare over 12,000 mortgages to find you the lowest interest rate
It’s completely free to chat to one of our recommended experts who will tell you exactly what your options are
Every mortgage broker we recommend offers a completely free, no obligation mortgage consultation. They will take the time to fully understand your very specific circumstances and will then let you know what your mortgage options are
Knowing what to include and what to exclude from an affordability calculator can make a huge difference to the amount you might be able to borrow.
A trained professional will be able to give you a much more accurate figure than you might get from a price comparison website or even your bank’s online calculator
Once your broker understands your circumstances they will be able to research the mortgage market to find you the very best deal.
With access to over 90 lenders, including high street brands and specialist banks that only work with brokers you can be sure to secure the most competitive mortgage available to you
Applying for a mortgage and being declined is frustrating and can make it harder to get a mortgage from another lender.
But an experienced mortgage adviser should be able to give you a fairly good idea of your chances before you apply so you won’t waste your time applying for mortgages you can’t get
Making a mistake on a mortgage application could mean the lender will decline to lend you any money.
In the worst cases it could even be construed as fraud and may mean you could struggle to get a mortgage in future.
A broker is expert in submitting mortgage applications and will take all the stress away from you
Once the application has been submitted, your broker will liaise between the various parties – you, your solicitor, the estate agent, a surveyor to name a few stakeholders – ensuring you have the best chance of receiving the mortgage offer and are able to complete the transaction