mortgage deals just for you
A full advice and recommendation service for you
We make sure that, when you’ve asked us to contact you to go through your requirements and find out how we can best help you, we call when it’s convenient for you. During that initial call, our broker will get to know you and what you’re looking for and will probably arrange a time for you to either come into the office or speak in a bit more depth on the phone so that you can start to look at sums and see what makes sense for you.
It doesn’t matter where you are, our brokers can help you. Our services are nationwide so wherever you are, all you have to do is ask us to get in touch.
Our broker will go on to make a specific recommendation for you and that recommendation will be based on a full fact find. That recommendation will be based on the cheapest monthly payments together will all the benefits and features which are important to you.
This means that you’re not left with more questions than answers, you’ll know exactly which mortgage suits you, your family and your lifestyle the best. If your priority is the cheapest monthly payment, to have security in your monthly budget for a fixed period or to have maximum flexibility, our brokers will make sure that the mortgage recommended to you fits you like a glove.
If it’s your first time buying, then you will want to be confident as to how much you can spend. If you’re looking to minimise your monthly payments on a remortgage or raise some extra cash, or if you’re worried about bad credit, then you’ll want to know you’ve got the best deal and there’s no sting in the tail. By asking you the right questions and knowing the market, our brokers can give you this confidence.
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Our brokers are fully qualified and regulated under the FSA to give you a full advice and recommendation service. You might wonder what other kind of service there is but you might be surprised to know that a lot of the advisors out there are not allowed to do this. What’s the difference and why does it matter to you ?
Well, the difference is crucial. A full service means that the broker will get to know you and your circumstances really well including what your longer term goals are and will use all of that information to narrow down the entire mortgage market to one specific mortgage deal that will be right for you. This means that the guesswork is taken out of it for you, you can relax in the knowledge that all of those important things you talked about with our broker have been factored in and that your broker has made a specific personal recommendation to suit you.
Other advisors, who aren’t allowed to make specific recommendations, will only go so far down this path and then come up with a selection of products and then ask you to choose the one you think is best. Well, we just don’t think that is as helpful as pointing out the mortgage deal that will tick most of if not all the boxes of what is important to you. You might always wonder if you did choose the best deal for you.
Even worse, some “advisors” cannot advise you at all. Often this will be a long distance or telephone “advisor” working from a script. You might have completed a form to get you to the point that a human being working on a script can take it to application stage for you. But they won’t do anything more than help you with the application, it will be up to you to be certain that the mortgage deal at the end of the online process or telephone script is the right one for you.
Or you might be talking to your bank or building society. Again, these advisors simply can’t advise you on the mortgage market. They are there to do one thing and one thing only: to sell their employer’s products. There is only one range of products available to them and they are targeted to sell you as much off that range as they can, including mortgage, insurance, savings products, credit cards…. They won’t let you know if their mortgage deal doesn’t give you the cheapest monthly payment or that you could do better by going next door, that’s not their job.
You might be talking to a broker in an estate agency who may well say that they can look at a good selection of lenders for you, or that they can look at the mortgage market in general, but beware. Some estate agency brokers work from a panel of mortgage lenders with as few as 11 to choose from !
As well as asking the question “what level of service do you offer”, you should also be looking to see what information is included on the brokers “Initial Disclosure Document” (or “IDD” for short). Under FSA regulations every advisor or broker must give you this document if they’re even talking to you. This document sets out all of the advisor or broker’s terms and conditions including the “level of service” and you need to see which box is ticked, “whole of market” , a panel of lenders or just one single lender. It will only be if the right box is ticked that you can rest assured that he can genuinely look at the whole of the market for you.
But the essential point here and now is that, as you prepare to find your perfect home or remortgage at the end of your current mortgage deal, you really need to speak to someone who can look at the whole of the market for you and advise you on a relevant and personal level.