The mortgage market has never been more competitive, which is good news for borrowers! Gone are the bad old days where you were put on a waiting list before you were even considered for a mortgage!
Mortgage lenders want your business, and spend £millions trying to attract you!
However where you have competition you have choice and that choice can be bewildering.
Do you go to your bank that you have always been with, and even if you do, how do you know if they are providing you with their best deal, let alone the best deal on the market?
Once you have decided which lender, you then need to decide what type of mortgage product to take.
A Fixed rate? Which will provide you with the certainty of knowing exactly what your monthly payments are going to be during the fixed rate period. (Early repayment charges may apply, please ask for a personalised illustration). CONTACT US
A Discount? Your monthly payment may fluctuate in line with any changes in the lenders standard variable rate. (Early redemption penalties may apply, please ask for a personalised illustration). CONTACT US
A Tracker? Your monthly payment may fluctuate in line with any changes in the base rate. (Early redemption penalties may apply, please ask for a personalised illustration). CONTACT US
A Flexible mortgage? Which will allow you to make overpayents, which can then have the effect of reducing the total amount of interest that you pay on your mortgage over the term of the mortgage. (There may be a restriction on the amount you can overpay on your mortgage. Please ask for a personalised illustration). CONTACT US
Then do you want to be 'tied in'? If so, for how long?
How are you intending to repay your mortgage, and over how many years?
The choice can be staggering!
Why not CONTACT US? We will work for you, and not any particular lender, in fact we really don't mind which lender we recommend, as long as it is in your best interests!
We will provide you with a no obligation, free initial consultation, to discuss your circumstances & your aspirations.
Then we will search the whole market to ensure that you're getting the best deal available.
We will provide you with a clear explanation of the product, which we are recommending, warts and all!
If you are happy with our recommendation, we will help you to complete the paperwork, to ensure that the lender gets everything they need from the outset, ensuring a smooth passage to completion. We do not normally charge a fee for mortgage advice, if you apply to us via our web site, however a fee paying option is available. Our typical fee is £299.00. We will not charge you any upfront fees (The mortgage lender may charge upfront fees, such as a valuation or booking fee).
Our fantastic back office administration team chase the lender and solicitor on your behalf, as sometimes they need a nudge! Your mortgage consultant will be updated on your application's progress at all times to ensure that you are kept in the picture.
What could be easier! You can put you feet up and wait for your mortgage to complete knowing that a professional team is doing all of the hard work for you.
CONTACT US
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