Find a New Mortage Deal
Let's get started with some basic details.
Mortgage Deals
Let us find your ideal mortgage broker!
1. Fill in our quick form
Let us know the basics on our quick enquiry form and we’ll match you to your perfect broker in minutes.
2. Independent Advice
Our Mortgage Brokers are independent and cover the whole of the market. Meaning they have access to the best deals from all lenders.
3. The right advice, first time
Buying a property is a big decision and picking the wrong mortgage could cost you thousands. Our advisors are here to help you.
Getting A Mortgage
Applying for a mortgage can be a little scary as mortgage lenders will go through your finances with a fine tooth comb to ensure you are risk free and that their investment is secure. You’ll be expected to provide a whole host of information about your incomings and outgoings before you receive a mortgage offer and mortgage in principle. Once you have these you are in a great position to make an offer on a property.
Working with a mortgage advisor means they will do a lot of the hard work. They often work ‘whole of market’ which means they have access to any mortgage lenders on the market giving you the most choice of product and lender.
A mortgage advisor will give you advice on affordability, what mortgage amount you are likely to get and if there are any potential problems in your finances that you might need to address.
Mortgage Considerations
You might want to start thinking about these important considerations in advance:
Your Credit Score
Get a copy of your credit report and that of any other person that will be on the mortgage. Now you can see what lenders will see. If it's a low score there are things you can do to help like ensuring you're on the electoral register.
Reduce Debt
If you are able to reduce debt and outgoings it a really good idea to do so, preferably 6 months in advance as you need to share your bank statements.
Independent Advice
Speak to an independent advisor who can point you in the right direction. Often initial advice is free as they are paid by the mortgage lender that you borrow with. Always check in advance any fees that you are expected to pay.
Budget
Be realistic with your incoming and outgoing monies and set a budget for what you think you can afford.
Save For A Deposit
The bigger the deposit the better, it means your loan to value LTV is lower. This often gives you access to better rates and more products.