We are in independent, whole of market, mortgage brokerage. This means that we have access to all of the main stream lenders up and down the country, from the well known names such as Natwest and Halifx to the lesser known Newcastle building society or intermediary only lenders such as Clydesdale. We do this in order to gain the very best deal for you, answering only to you.
Mortgage rates are constantly changing and competition between lenders means there are some great deals to be found, possibly saving you hundreds or even thousands.
If you stay with your current lender and both the term and amount borrowed don't change, solicitors aren't required, no valuation is needed nor are any background checks necessary. This makes the process very quick and cheap - however due to competition between lenders, the rates are ever changing. You may well be better switching provider, especially when some will waive associated fees upon successful completion - this is exactly what we will research for you.
Circumstances change throughout our lifetimes and we have different requirements - some foreseen and others not. So when you remortgage you have a choice to keep everything as it is, shorten or lengthen your mortgage term, reduce or increase the amount borrowed and to change the type of mortgage from repayment to interest only, fixed repayments to discounted or variable.
When we come out to visit you in your home for your free appointment at a time which suits you (until 9pm weekdays), we will discuss exactly what it is you need, the different options available and how we can help achieve them.