Whether you are buying a new home, re-mortgaging to take advantage of a better deal, increasing a loan for home improvements, or considering a buy-to-let investment, it is always advisable to seek the best possible independent advice.
Banks and Building Societies are often the first place borrowers look to for the best deals, but more and more people are being left frustrated by inflexible and expensive High Street lenders, therefore, seeking impartial, expert advice from an Independent Mortgage Adviser will not only increase your options, but often provide you with more competitive offers.
For the self employed, or those with less than perfect credit histories, an Independent Mortgage Adviser can prove to be a real benefit – often saving borrowers a lot of time, money and, frequently, several rejection letters.
The key benefit to consulting an Independent Mortgage Adviser rather than a bank directly is an independent financial adviser is acting on behalf of the client, rather than the organisation they are selling products for.
An Independent Mortgage Adviser is acting in your best interests, using the whole of the market available to intermediaries to choose products from, and tailoring solutions to your personal priorities and needs.
Our ability to see the whole market available to intermediaries, to cut through the fine print and explain the pros and cons of each product makes life easier. Our contacts, our experience and our dogged determination make it all happen, from initial mortgage advice, to money in the bank.
When you arrange a mortgage through us it is not just about that mortgage. We like to think that you have entered a relationship that will last you a lifetime. We commit to finding you the best mortgage for you every time it comes to change your mortgage.
We are able to ensure that the lender you apply to is the lender who will actually lend to you. Some lenders take several weeks to carry out an initial assessment you may lose the property you were buying based on a declined mortgage application.
Since the Mortgage Market Review (MMR) lenders now assess all of the borrowers’ outgoings and expenditure. We deal with all of the paperwork and liaise with the lender on your behalf.
With twenty five years experience Steve understands which lender will lend and what documents they will require and as such we aim to match lender and borrower to ensure a swift mortgage offer.
We offer a friendly, professional service and a free initial consultation at our Teddington office – so please call Steve Padgham on 0800 731 7614 – and let us help you find the right mortgage deal.
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