Need help with a mortgage?

What is a Mortgage?
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When you agree to a mortgage, you're signing a legal contract promising to repay the loan plus interest and other costs.

You should start the process of applying for a mortgage before you even start seriously looking for somewhere to buy. Arranging your mortgage as early as possible can put you in a stronger position with sellers –and reduce the amount of stress.

When choosing a mortgage you need to look at:

• Do you want a repayment or interest only mortgage? 

• What type of interest rate option would suit you – tracker, fixed, capped? 
• What other special features might appeal / suit you?

There are a large number of different mortgage options on the market - all suited to different lifestyles and circumstances. It can be confusing understanding all the features of the different products and knowing which one is right for you. Our mortgage specialists will help you with the answers.

How do I get a Mortgage?
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Our mortgage specialists are available to provide you with the advice you need face-to-face or, if more convenient, over the phone at a time to suit you. They will take care of everything from explaining all of your options to helping you select the right mortgage.

Of equal appeal to our clients is the fact that our brokers will project-manage the whole process for you. Our brokers will complete all the paperwork for you, submit the application, proactively liaise with the lender, surveyor, estate agent and solicitor to ensure the application goes through to a successful completion.

For further information, why not speak to our regulated mortgage broker, offering independent and impartial advice in order to find the very best deals available for you.

Why use a broker rather than a high street bank?
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Mortgages are a lot more difficult than they first appear. Knowing what rate, what term, what lender, what features, what insurance are all time-consuming and complex matters.

There's an awful lot to think about when choosing the right mortgage. It's not as simple as just opting for the cheapest mortgage you can find!

An independent mortgage broker will look for the best mortgage for you. They aren't on the lender's side, they're on yours, and they'll give you access to far more products than if you went direct. You'd get unbiased advice and could choose from a range of lenders and subsequent products, rather than being restricted to the single range of the lender you went to.

That's why it's so important to stay in the loop – and to have a mortgage broker on your side who understands it all. A broker deals with lenders on a day-to-day basis, so they'll know what the application process is like for each one and can tell you which lender can process your application with minimal delays.