MORTGAGE ADVICE NETWORK
First Time Buyer
Obtaining your first Mortgage can be a very daunting experience.
Taking Advice from one of our Mortgage Advisers will
make this experience, easy and worry free.
You may have many questions as a first time buyer, such as,
Will I get a mortgage?
How much deposit do I need?
Where can I get a Mortgage?
How much will they lend me?
How much will it cost?
How long will it take?
Our experienced helpful advisers can answer these questions with ease.
Firstly, your mortgage broker will need to have some idea of what you are looking for, what resources you have, and the price range you would like to achieve.
We will go through how much deposit will be needed, your income, any debts you may have, and your credit history will be checked. This information will then help the adviser calculate a more accurate maximum lending figure.
Often, the first-time buyer obtains a mortgage offer in principle through their broker to confirm their lending position prior to making an offer on any property.
(A mortgage offer in principle is a confirmation from a lender, following credit score, that the Lender is prepared to lend to the borrower).
Once an offer has been accepted, you will need to appoint a solicitor to handle the legal side of the process. Your mortgage broker can recommend someone suitable for you.
Your mortgage broker will then collect the details of the property you are purchasing and put together your full mortgage application for submission to the mortgage lender.
Moving Home
Moving home is an exciting time, and it also gives you the ideal opportunity to look at many moving home mortgage rates and deals, but it’s important to remember that when it comes to finding the right mortgage, looking for the cheapest mortgage rate might not be the best mortgage for you.
We can talk you through the deals available to you based on your personal circumstances, taking into account factors like additional fees, conditions, and the term of the mortgage.
Give us a call today and speak to one of our fully qualified advisers to help guide you through this process.
Remortgage
Many people begin their remortgage search by looking for the best mortgage rates in the market, but it’s important to remember that the cheapest mortgage rates usually have hidden extras.
Our mortgage advisers can compare mortgage rates, fees and overall suitability for you.
Give us a call today and speak to one of our fully qualified advisers who can pick out a deal that’s right for you.
Buy To Let
Once you have found the right property, the next step many people take is to compare the buy to let mortgage rates, but it’s important to remember that rates aren’t the whole story and there are other factors which affect how suitable a deal is for you. Our qualified advisers search the market, taking into account your personal circumstances and comparing the fees, conditions and introductory offers. With access to many products exclusively available to mortgage brokers, we recommend you call us and we can help find the right mortgage for you.
Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority.
This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you. All mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender. You should make an appointment to receive mortgage advice which will based on your needs and circumstances.
We offer tailored financial advice and guidance on mortgages and protection.
Phone: 01438 814073 Email: admin@manoffice.co.uk