Taking out a mortgage could be one of the biggest financial decisions you’ll need to make in life, so it’s important to get it right.
You could ‘go direct’ to find the right mortgage for your circumstances – as long as you’re prepared to spend time and effort scouring a very competitive market for the lender and deal you feel most comfortable with.
You’ll also need to consider things like lender administration and booking fees, the length and type of mortgage you need, valuation costs and repayment methods, all of which can affect the total cost of your loan. And you’ll need to take out insurance; for buildings and contents and to protect your mortgage payments if you have to stop work.
Why you should get mortgage advice
Unlike lenders, we don’t have a vested interest. In fact, as part of Openwork, one of the UK’s largest financial adviser networks, we can access competitive rates from most of the UK’s best-known lenders, many of which aren’t available on the high street. What’s more, we will take the time to get to know you, your circumstances, and your overall financial position. We’ll also want to understand what type of mortgage you believe is right for you and talk you through the pros and cons of each option.
Using our expert knowledge and database of several thousand mortgages, we will find the ones most suitable for your needs. We’ll work with you to complete the relevant paperwork and liaise on your behalf with solicitors, valuers and surveyors. We can also talk you through the features and benefits of financial protection for your new property and we’ll stay in touch throughout the process – and into the future.
Advice from us
If you’d like more information, or you need help planning your first, or next, property purchase, please get in touch.
Advice from your lender
Lenders will, of course, be able to give you guidance on any mortgages they offer, but you won’t necessarily know
how their deals compare to other deals on the market.
Your home may be repossessed if you do not keep up repayments on your mortgage