With so many mortgage lenders offering their products on the high street and online, it can be tempting to cut out the middleman and ‘go direct’.
But when you’re making such a huge financial commitment, the guidance you can get from a qualified mortgage adviser can be invaluable.
Here are five ways we can make a difference to your mortgage search:
1. We know what a good deal looks like
It’s easy to underestimate the costs involved when buying a property or remortgaging. An attractive rate may appear good value, but this could change once you factor in things like fees and loan conditions.
We will compare a wide range of lenders and thousands of mortgages on your behalf; looking beyond the headline rate so that you understand how the length and type of loan will affect how much you pay over the longer term. We’ll highlight any additional costs you should be aware of (like administration fees, booking fees and valuation costs).
2. We know the market
If your mortgage needs or circumstances are ‘out of the ordinary’, you may find it more difficult to find a mortgage. We can save you time and hassle and help you find a suitable lender.
3. We can do the hard work for you
Selecting the right mortgage is just the start. We will work with you to complete all of the necessary application forms, liaise on your behalf with solicitors, valuers and surveyors, and help make the process as smooth as possible.
4. We are professionally qualified
Unlike many branch and telephone-based mortgage sellers in banks and building societies, we are able to advise you on a broad range of lenders and products. This means you benefit from genuine choice coupled with quality advice.
5. We look beyond the mortgage
We consider the bigger picture when it comes to advising you on your mortgage. For example, we can help you safeguard your home by recommending products that can financially protect you and your family, should the unexpected happen. We can also recommend providers that can help with other elements of the home-buying process, including solicitors and surveyors.
And, if you want us to, we can stay in touch with you into the future, to ensure your mortgage and protection arrangements remain appropriate for your needs.
Conveyancing is not regulated by the Financial Conduct Authority.