Mortgages don’t have to be scary!
As whole of market mortgage advisers, it’s our job to find the best mortgage for you. The truth is that every situation is different, and so you should get advice based on your particular situation. We have access to the whole of the market, which means there are even more deals available to you than you’d find on the high street. It’s our job to match you with the best deal for you.
Whether you’re a First Time Buyer, looking to move home, need to remortgage, buying your first investment property or are an experienced landlord, we can help. Some people think their situation is unique and problematic, we guarantee we’ve seen it all!
‘I'M SELF-EMPLOYED, NOBODY WILL GIVE ME A MORTGAGE’
Well, we can put that old wives tale straight to bed. If you’ve been trading for 2 years and have 2 years accounts (some lenders will use 1 year), you’ve got a clean credit file and at least a 10% deposit then there’s no reason why we can’t get you a mortgage.
‘I DON'T EARN ENOUGH, I'LL NEVER BE ABLE TO LEAVE HOME’
There may still be options available to you from shared ownership (part rent, part buy) to the government Help to Buy Scheme that can help get your foot on the ladder.
‘I HAVEN'T GOT TIME TO GO FROM BANK TO BANK TO FIND THE RIGHT DEAL’
That’s what we’re here for. As whole of market brokers, we have access to every high street lender and some lenders you won’t have even heard of. Our expertise means we’ll find the right lender for you, doing the research and giving advice and a recommendation based on you and your circumstances. We don’t abuse your credit file by carrying out lots of credit checks (unless you ask us to) but will look for a lender that ticks all your boxes.
These are just some of the myths we hear every day, and we aim to dispel every single one of them. We advise on the whole mortgage process looking at what type of rate is best for you (Fixed v Tracker v Variable v Offset etc.), the length of the product (2,3, or 5 years), the type of repayment method (Capital & Interest or Interest only), particular features that are important to you (overpayments, offset, payment holidays etc.) and a term that suits your budget, ensuring the mortgage is repaid before you retire where possible.
“We’ve used Sam twice now and she’s been entirely brilliant both times. Sam’s lightning fast with getting information to you, explains everything really clearly so that you understand your options and holds your hand through the whole process.”
