UK Mortgages Enquiries
Let the experts assist you to minimise your mortgage rates. Complete one or more of our simple forms and a suitably qualified UK mortgage broker will contact you within 24 hours:
First Time Buyer Mortgages Buy To Let Mortgages Debt Consolidation
Equity Release Mortgages Moving House ? UK Remortgage
Mortgage Protection
Why use mortgage brokers?
Here are a few reasons why it may be prudent to let a suitably qualified mortgage broker help you to find your mortgage;
• Mortgage brokers can access the best deals in the UK market.
• Mortgage brokers often have access to products that you can not buy directly from the mortgage lender.
• You often find that mortgages purchased through UK mortgage brokers are cheaper than mortgages acquired from the lender. Some mortgage lenders prefer to sell mortgages though UK mortgage brokers in order to reduce administration costs. These savings mean that they can offer mortgage brokers special deals.
• There are literally thousands of mortgages to choose from in the UK. Mortgage brokers can quickly assess your requirements, narrow down your search and save you time.
• Individual mortgages are littered with small print (e.g. fees, redemption penalties etc). Mortgage brokers can highlight issues and potential costs that could surprise the unwary.
• The UK mortgage market is filled with jargon. Mortgage brokers work with this jargon on a daily basis and can help you to understand what it means.
• The UK mortgage market is complex. A mortgage broker can simplify it for you.
A few pointers to assist you in selecting a mortgage broker?
• Check that the advisor complies with The Mortgage Code.
• The Mortgage Code is a voluntary code that prescribes standards for dealing with you fairly and requires certain minimum information to be provided to you so that you can choose and maintain your mortgage.
• Mortgage Lenders that have subscribed to The Mortgage Code in the UK agree to take customers only from mortgage brokers who also abide by The Code.
• You can find out if a mortgage broker is registered under The Code by contacting The Mortgage Code Compliance Board at enquiries@mortgagecode.org.uk.
• Understand the mortgage brokers fee arrangements. If they charge you a fee, ask if it will reduce if commission is received by the broker from the product providers or if the commission will be returned to you
• Satisfy yourself that the mortgage broker has understood your circumstances. Be sure to complete any questionnaires honestly and thoroughly.
