It is often said that if you cut out the 'middle person' you get a better and cheaper deal. We believe that this is not the case in the mortgage market.
The UK mortgage market is changing on a weekly (sometimes daily) basis. Lenders are sometimes withdrawing products, adding new products or doing both. The income multiple (how much you can borrow depending on your income), loan to value (how much you can borrow against the property value) and other criteria are constantly being reviewed by the lenders.
For the majority of people a mortgage is the biggest financial commitment they will make. It also effects the 'roof over your head' so it is common sense to get an expert to act on your behalf.
Headline-grabbing, cheap rates may have conditions like: compulsory insurance, a large arrangement fee, lower income multiples, lower loan to value, higher lending charges or tie in periods attached to them. The following is the brief summary of our service promise and the reasons why you should use us.
- We source our product from the WHOLE of the market so you could be assured that you will get best deal available at the time.
- As we belong to a large network. At times we may have access to special deals from lenders that you cannot get on the high street.
- We manage the whole mortgage process (from application to completion) for you, and deal with the lender on your behalf.
- We provide you with an ongoing service for the lifetime of your mortgage by carrying out free mortgage reviews to see if we can save you money on your mortgage.
- After assessing your needs and circumstances, whenever we recommend a mortgage to you we explain in writing why we believe they are the best for you.
- If you live or work in London or the Home Counties we can come to you at a time and place that is convenient to you - including evenings and weekends.
- As a broker, we have access to products which are not generally available to the public directly.
- As we do not charge a fee for advice then this is a win win situation for you.
- As we also deal with debt issues, we might be able to offer you combined products and solutions if you have outstanding debts or are struggling to make repayments on monies you have borrowed.