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Here are some of the most frequent questions we hear from our clients…
If you go straight to a lender (such as a bank), they will only advise on their own mortgage products. If you go to a mortgage broker or financial advisor, they will have information about a wider choice of mortgage lenders.
Different lenders offer different amounts, so speaking to a mortgage professional may ensure you can get the amount you need. Factors to bare in mind are secured or unsecured credit, income type, loan to value, credit score.
Again Different lenders offer different amounts, so speaking to a mortgage professional may ensure you can get the amount you need. It also depends on the loan to value and the reason for the additional monies you are borrowing.
There are a number of options, you can look at what your existing lender will offer, or go onto their Standard Variable Rate, alternatively we can source other lenders, who can often offer cheaper rates.
When looking at remortgaging, some lenders offer free Legal Fees, others dont, we will show you the difference to ensure you get the most suitable mortgage bespoke to your budget and circumstances.
Fixed Rates are the lowest we have ever experienced in over 30 years of been a mortgage adviser. The Bank of England Base rate is again the lowest in 30 years so the Tracker rates are fantastic.
The benefit of a fixed rate of interest is to give you stability of repayments, making budgeting easier.
We make Remortgaging nice and easy, we arrange an appointment and design the mortgage around your circumstances, we take care of all the paper work and liase with you through the process, making it effortless.