We do not charge any fees for advice, sourcing or mortgage processing if the mortgage balance is greater than £100k and all enquiries are without obligation.
If you have a question and wish to talk to a adviser directly call 0845 5190327 or alternatively email firstname.lastname@example.org and a mortgage adviser will email you back.
Why call us to help you with your mortgage decision?
We make the process smoother.We know what documents a particular lender is likely to require at application.
We save you time we already know lenders criteria and we have market leading sourcing software that searches the whole of the uk mortgage market to find the best deal for you. In our experience its much quicker to use a mortgage adviser to source your mortgage for you than to attempt do it yourself.
How can you afford not to charge any adviser fees?
We are paid a commission from the lender when your mortgage completes you are charged the same rate from the lender whether we process the mortgage for you or if you go to the lender directly.
Do you have to visit us?
No we manage the mortgage process by using the telephone, internet and post.
What geographical areas areas do you advise clients?
Are you FCA registered?
The Financial Conduct Authority (FCA) regulates financial services in the UK and you can check our authorisation and permitted activities on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/firms/systems-reporting/register or by contacting the FCA on 0800 111 6768. Our FCA register number is 627494.
Call 0845 5190327 or email us at: email@example.com
Remortgage which lender?
That depends very much on what you require. Is it a remortgage with capital raising for
- Home improvements
- School Fees
- Debt Consolidation
- Business Purposes
- Divorce Settlement
or is it a straight remortgage where you are remortgaging the same value?
Are you better taking the cheapest two year deal or the cheapest 5 year deal bearing in mind that every time you remortgage there are set up costs. When deciding on 2 or 5 years you have to take into account that if over ten years you took out five 2 year fixed with £1,000 set up costs every time as opposed to two 5 year fixed with £1,000 set up costs you would have paid £3,000 more in set up costs over a ten year period.
Tracker or Fixed rate?
Which one to choose factors to consider.
- Can you afford it if the base rate goes up?
- Do you think the base rate is going to go up?
- What is the difference in rate between tracker and fixed?
- Mortgage amount if you have a £300,000 tracker mortgage and the base rate goes up by 1% it will cost you an extra £250.00 per month.
- Are you prepared to pay an early repayment charge if you have to move from your tracker mortgage to a fixed rate mortgage.We can help identify the cheapest overall lender for your circumstances.
Is it better for you to stay with your existing lender or switch to a new lender? We can confirm if you are better staying or moving occasionally it is better to stay with your existing lender.
Which is the cheapest lender is it the one with the lowest percentage rate or is it the one with no fees. We can confirm which is the cheapest over all.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE.
Securing short term debts against your home could increase the term over which they are paid and therefore increase the overall amount payable
You may have to pay an early repayment charge to your existing lender if you re-mortgage.