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Mortgages

Mortgage Brokers

Finding the right mortgage advice is not easy but talking to our mortgage advisers is! We’ll listen to what your objectives are then offer advice on your options.  We’ll tell you how big a mortgage you are likely to be able to apply for and provide quotes showing you the costs.  When you‘re ready to go ahead we’ll arrange a decision from the lender and where possible we’ll apply online for you.

“A 1% saving in interest rates on an average £140,000 mortgage is the equivalent of around a £2,000 per year pay rise to a basic rate tax payer and £2,800 to a higher rate tax payer! It pays to have an expert find you a fantastic deal.”

Complete the enquiry form below to get moving!

First Time Buyers

Household

Buying your first home is a huge step for anyone and it makes sense to fully understand the commitment needed and the costs involved. Our team have helped thousands of first time buyers over the years and will guide you on every step of the way. They’ll advise on and arrange mortgages, surveys, solicitors, insurances etc. and make sure the whole process runs as smoothly as possible. Mortgages up to 95% or 100% with help from parents.

Home Movers

This can be even more daunting as you’ll often be relying on a sale of your current home at the same time as purchasing your new home. Once again we’ve many years’ experience and there isn’t a hurdle that we haven’t had to overcome before. Our advisers will find you a great deal on your new mortgage and be on hand to assist you all of the way through to the day you move into your new home.

Borrowing more money

Whether it is home improvements, a large capital expenditure or even consolidating other loans into one lower payment, there are options to be considered. Borrow extra from current lender, borrow from a new lender, keep current mortgage and take a second mortgage or secured loan…? We will look at all of these options with you to help find the best method for your own personal circumstances.Coins

Buy To Let

Whether it is just the purchase of a single property for a new landlord or reviewing an existing portfolio of properties and loans for an experienced landlord we have access to the best buy to let mortgages in the market.

Not a perfect credit history?

Don't worry as this is not as uncommon as you may think. However it’s very important that you follow the right steps if you are to be successful with an application. Our advisers will assess your position based upon a credit reference which we’ll help you obtain. Once we have the facts we’ll know which lenders will help in your particular circumstances and help prepare your application. We’ll be on hand to deal with queries as they come up to ensure that everything runs a smoothly as possible.

Your home may be repossessed if you do not keep up repayments on your mortgage

We do not charge a fee for our initial mortgage advice which is provided free of charge. We will be paid a procuration fee of on average 0.3% of the loan from the lender if we arrange a mortgage for you. There will be a research and administration fee of up to £350 due on successful completion. You will be provided with full details of all costs in advance before proceeding with any application.

Who can help?

Joanne Manghan

Mortgage Consultant

David Hitchmough

Mortgage and Protection Adviser

Helen Kelly

Mortgage and Protection Adviser

If you would like an advisor to contact you please fill in the form below or Contact Us