The Value of Mortgage Advice
Posted by AndrewEarles on Friday 4th of August 2017.
With so many mortgage lenders offering their products on the high street and online, it can be tempting to cut out the middleman and ‘go direct’.
When you’re making such a huge financial commitment, the guidance you can get from a qualified mortgage adviser can be invaluable.
Here are five reasons we can make a difference:
1. We know what a good deal looks like
It’s easy to underestimate the costs involved when buying a property or remortgaging. An attractive rate may appear good value, but this could change once you factor in things like fees and loan conditions.
We will compare a wide range of lenders and thousands of mortgages on your behalf looking beyond the headline rate so that you understand how the length and type of loan will affect how much you pay over the longer term. We'll highlight any additional costs you should be aware of (like administration fees, booking fees and valuation costs).
2. We know the market
If your mortgage needs or circumstances are ‘out of the ordinary’, you may find it more difficult to find a mortgage. We have knowledge of lenders’ criteria and can save you time and hassle as you search for a suitable lender.
3. We can do the hard work for you
Selecting the right mortgage is just the start. We will work with you to complete the necessary paperwork, liaise with solicitors, valuers and surveyors on your behalf, and help make the process as smooth as possible.
4. We are professionally qualified
Unlike many branch and telephone-based mortgage sellers in banks and building societies, we are able to advise you on a broad range of lenders and products. This means you benefit from genuine choice coupled with quality advice.
5. We look beyond the mortgage
We consider the bigger picture when it comes to advising you on your mortgage. For example, we can help you safeguard your home by recommending products that can financially protect you and your family, should the unexpected happen. We can also recommend providers that can help with other elements of the home-buying process, including solicitors, surveyors and insurance providers.
And, if you want us to, we can stay in touch with you to make sure your mortgage and protection arrangements remain appropriate for your needs.
Conveyancing and surveying are not regulated by the Financial Conduct Authority.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Whether you’re looking for a mortgage on your first home or dream home, we can help.