Best Mortgage Rates! Recently mortgages and the surrounding advice have changed dramatically, getting mortgage advice has probably never been more important than it is today. The best rates may be free but the best advice isn’t! Price comparison websites offer you a good way to find an idea of a rate but whether you are eligible for that rate and how much you can borrow is not so obvious. Factor in pressure from vendors, estate agents, property chains and you will realise there is much more to a mortgage than a headline rate. A decline at decision in principle stage from not knowing a lender’s criteria will impact on other decisions available. We will be able to get an accurate indication for you based on:
- Affordability (income vs expenses)
- Arrangement fees
- Deposit (loan to value of the mortgage)
- Credit status
- Associated costs.
Getting advice will mean covering all these areas before going on a property hunt. Finding the property first may only lead to disappointment and vendors/estate agents not taking you seriously. Professional mortgage advice will put you in a position of strength with the security of an approved mortgage known as either a decision or agreement that enables your house hunting to be realistic. Who will benefit from mortgage advice? Anyone who has already or is looking to purchase a property. This will include existing borrowers who need advice on new fixed rates or those needing a further advance or additional borrowing. Those looking at property as a residence or as an investment. What we offer: We are independent which means we can look at every lender knowing how their lending criteria matches with your customer profiles and once we have established your budget and needs. Why choose us for your mortgage advice? We are whole of market independent financial advisers who will support you in every step of your property financing whatever capacity this takes. We work closely with associated individuals to help you get full mortgage offers and completions that fit in with your time horizons and needs, smoothing what can otherwise be a stressful process. In addition we will continue to support you going forward to make sure that you always benefit from the best rates available. What to do now Contact us on 01992 503410 and arrange a complimentary meeting with us so that you can start planning effectively for your mortgage(s).