Why Choose Us?

What we offer:

  • Expert advice and ongoing support

  • Help throughout the transaction, not just applying for the mortgage

  • Search 100’s of lenders as we are whole of market advisers

  • Typically, we don’t charge a fee to save you even more money during the process

  • Always contactable for support

We appreciate there are a lot of options when it comes to obtaining a mortgage. You can approach the bank you have had an account with for years but they will only be able to discuss the rates that they offer rather than looking at all available deals. This can also impact how much you will be able to borrow as it varies between different banks. Banks assess types of income differently eg. overtime, bonus, commission or self-employed income, so this could be the difference between you being able to purchase your dream home or not.

You could just speak to the adviser based in the estate agent you buy through, but they could be tied to a limited number of lenders or charge high fees to apply for the mortgage. Having worked in both these environments we feel we are best placed to give you expert advice and ongoing support throughout your mortgage journey.

Other benefits:

  • Save time to ensure mortgage approval and completion takes place as soon as possible

  • Confirm your budget after first appointment

  • Ensure you are ready to offer. We will provide an agreement in principle so you can put an offer forwards promptly

  • Provide other services that are requirements of the mortgage such as help with solicitors and home insurance


Call today on
01603 555428

Why choose us

Why do we think you should choose us?

Experienced - We have over 15 year’s experience working in the financial services industry. During this time we have gained a wide range of skills from working in high street banks to nationwide estate agency businesses. This enables us to offer a well-rounded view on the whole house buying and mortgage process. From viewings and offering on properties, to the mortgage application and underwriting processes that banks use.

 

Flexible - We pride ourselves on putting our customers at the heart of everything we do and can tailor our appointments to however would suit you best. Whether this is over the phone, an online meeting like teams or face to face. We can also arrange appointments at a time that suits you, whether this be an early morning, evening or weekend. Our priority is you so we want to ensure you are comfortable when we are discussing such a big financial decision.

 

Professional - Taking the time to get to know our customers is key so we are able to offer a personalised recommendation based on your individual requirements and preferences. Having completed a detailed factfind we then complete extensive research across the mortgage market to ensure we are recommending the best option for you.

 

Clear - The mortgage industry is full of excessive jargon, we will always spend time explaining each option in clear and uncomplicated language. We welcome any questions and thrive off being able to leave you feeling like you have gained more knowledge than when you started the process.

 

Knowledgeable – With ever changing criteria and rates, knowledge really is key. We keep up to date with lender changes to be one step ahead for you. The difference can be outstanding when it comes to how banks assess overtime, bonuses, government benefits or self-employed income.

 

Great Service – From the initial appointment right up to you collecting your keys (or remortgage completing) we will be on hand to ensure everything progresses smoothly. From getting the mortgage offer out as quickly as possible to helping with solicitor’s paperwork or chasing estate agents. Each adviser deals with their individual cases so you have one point of contact throughout.

 

Cost – We want to be competitive with our pricing especially with the current cost of living crisis affecting a large number of households. Typically we don’t charge a fee for arranging a mortgage, however the actual fee will depend on your circumstances and will be disclosed in the initial appointment.

 

Insurance – When taking on such a large financial commitment we have a duty of care to consider how you would continue to pay the mortgage should the worst happen. We will therefore also advise on relevant insurance products so you can make an informed decision having reviewed all the options that are available.

Note: Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. As with all insurance policies, conditions and exclusions will apply.

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