Mortgage
Getting a mortgage today is harder than it ever was before. Mortgage & Investment Brokers know what the lenders are looking for. This cuts down on the underwriters need to come back with more questions. We work in the background, reducing the amount of work that you have to do. We package your application to increase the chances of your mortgage application being a success.
We help people apply for the following kinds of mortgages
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Advice on Government Grant schemes for first time buyers
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Borrowing through your company for a BTL
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Buy To Let (BTL) Property Finance
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Moving Home and Start a Loan
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Self build home
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Commercial Mortgage
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Using your pension to buy a property
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Review Your mortgage repayments
We compare your current mortgage repayments against the full range of options on today’s market to ensure you are getting best value.
We act for the client first, not the lender or insurer
We provide impartial advice on your mortgage e.g. Banks or Building Societies are not obliged to tell you when other lenders will offer you better terms to acquire the house you want.
Mortgage & Investment Brokers are required to give you the best advice and put the client’s interest first. We provide a best advice service
If you would like any more information on this contact Mortgage & Investment Brokers for impartial advice.
Have a look at our mortgage checklist and see what is required before applying for a mortgage.
Don’t pay more for your mortgage than you have to speak to our expert mortgage broker today.
We Compare Mortgage Protection and Buildings Insurance
Mortgage Protection ensures that if you were to die during the term of your mortgage, then the outstanding balance on your mortgage would be paid off and your home secured for your family.
There is every chance that you are now paying more than you need to protect your home.
Mortgage Protection rates have come down as the market has changed in the last few years. We can help you to secure better value cover by reviewing your existing policy and comparing it with the full range of rates and cover available on the market today. Our advice is impartial. We provide the best advice service.
Saving to Buy a New Home
We can talk you through:
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Saving a deposit in a matter of months
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Preparing for each step
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The mortgage planning steps, from start to finish
Recently Turned Down For a Mortgage?
We have an agency which offers alternative lending sometimes, at more competitive rates. We provide a best advice service.
It Can Be Cheaper to Buy Than Rent
This is the case especially if you’re under 50. So if you’re on a stable income talk to us and we will guide you through the process. We provide a best advice service.
First time buyers?
Ask about the help to buy scheme
Second Time Round
Avoid the mistakes of you’re the first time mortgages when
Trading up, re-mortgaging or topping up. Avail of competitive
Mortgage and insurance rates and features your current lender may not have.
Lender may not have. Use our technical expertise to assess the market and scoop out the most suitable terms.
Consumer Protection Code 2012 In accordance with the provision of the Consumer Protection Code 2012 the following are for your attention:
WARNING: IF YOU DO NOT MEET THE REPAYMENTS ON YOUR CREDIT AGREEMENT, YOUR ACCOUNT WILL GO INTO ARREARS. THIS MAY AFFECT YOUR CREDIT RATING, WHICH MAY LIMIT YOUR ABILITY TO ACCESS CREDIT IN THE FUTURE.
WARNING: IF YOU DO NOT KEEP UP YOUR REPAYMENTS YOU MAY LOSE YOUR HOME.
WARNING: YOU MAY HAVE TO PAY CHARGES IF YOU PAY OFF A FIXED-RATE LOAN EARLY.
WARNING: THE COST OF YOUR MONTHLY REPAYMENTS MAY INCREASE
WARNING: THIS NEW LOAN MAY TAKE LONGER TO PAY OFF THAN YOUR PREVIOUS LOANS. THIS MEANS YOU MAY PAY MORE THAN IF YOU PAID OVER A SHORTER TERM.
WARNING: THE ENTIRE AMOUNT THAT YOU HAVE BORROWED WILL STILL BE OUTSTANDING AT THE END OF THE INTEREST ONLY PERIOD.
As a Broker we must offer you the best advice, bank advisors or insurance company reps or tied agents do not have this requirement.
We hold higher than the required amount of professional liability insurance this is not always the case with bank advisors or insurance company reps or tied agents.