Mortgage brokers & protection advisers
Your Mortgage Experts will save you time and money.
Our clients value us for our expertise and professional service.
YOUR BEST MORTGAGE DEAL IN 3 SIMPLE STEPS
1. CHECK THE LATEST DEALS FOR YOU
1. CHECK THE LATEST DEALS FOR YOU
1. CHECK THE LATEST DEALS FOR YOU
We compare the latest mortgage deals across the whole of market and pick the best ones for you. You can rely on professional mortgage advice with expert mortgage brokers at your service.
2. CONFIRM YOUR ELIGIBILITY
1. CHECK THE LATEST DEALS FOR YOU
1. CHECK THE LATEST DEALS FOR YOU
We qualify you for the best available deals with a few questions.
We will also demystify the process, provide full mortgage advice, and expert guidance throughout.
3. APPLY AND MONITOR PROGRESS
1. CHECK THE LATEST DEALS FOR YOU
3. APPLY AND MONITOR PROGRESS
We will recommend the mortgage product that will best suit your needs. We will manage the application, and ensure that all is taken care of until your mortgage is in place.
FIND OUT WHERE WE CAN HELP
Invest in rental properties or remortgage your existing buy-to-let mortgage to a better deal.
How much can I afford? How much will Stamp Duty be? What are the Monthly Payments going to be?
For more details, please contact us, or drop us a line, and we will assess your affordability with the help of a comprehensive mortgage calculator. You will receive an indicative mortgage quote with the mortgage monthly payments, we will discuss best options to suit your budget, and recommend the most suitable mortgage for you.
For a property purchase, you will need to provide your total annual gross income and your likely Deposit Amount. We will work out the amount you could borrow, as well as the maximum recommended house price and the stamp duty payable. We will then be able to discuss best mortgage deals available.
For a remortgage, you will need to provide your total annual gross income, your current outstanding mortgage balance, the property value, and the mortgage term. We will quote you on the best available deals.
We will also discuss loan-to-value (LTV), which is one of the key factors that lenders look at when qualifying borrowers for a mortgage, and the best product rates available at different LTV brackets.
You will then have the confidence to have the right numbers to plan for the best course of action with your mortgage.
WHAT IS MY CREDIT SCORE?
Checking your credit score and credit report
Mortgage lenders will check your credit profile at the credit bureaux, such as Equifax, Experian or Call Credit.
Most mortgage lenders will also calculate a credit score to help work out whether you’ll be able to repay a loan or mortgage.
If you are unsure about your credit score, it is a good idea to check it by contacting directly one of the main credit bureaux and obtain your credit report.
If you have a good credit score, you would generally qualify for the best available mortgages in the market. If your credit score is impaired, you may be rejected by mainstream mortgage lenders; however, there are specialist mortgage lenders that would consider a case on its merit and that make their lending decisions through a more detailed and manual underwriting process. If you do not have a good credit score, please let us know and we will be able to advise you on the most suitable options available to you.
We will be happy to review your credit report, provide any clarification and discuss how it may impact your eligibility for the best available mortgage products, and advise you on best available options.