Being an unlimited mortgage broker means that we can offer products from a range of mortgage providers which is representative of what is available from the whole mortgage market. Put simply, this means that we as a mortgage broker in the UK, take all the hard work in terms of sourcing the most appropriate mortgage product for you.
We have been operating as mortgage brokers within the UK for well over 10 years and have a reputation that is second to none. We provide mortgage and insurance services from a vast array of lenders and our consultants and advisors are fully trained in obtaining the very best deals on mortgages and insurances for our clients.
- Open 9am – 9pm, 7 Days per Week, Including Bank Holidays
- Many Years of Local, Relevant Knowledge
- Whole of Market offering
- “One Stop Shop”
- Home visits available
- Handle the Whole Process, Start to Finish
- No Upfront Fees
- Staff Targeted on Customer Satisfaction
- Open, Honest and Efficient
- All Situations Considered
What is a Mortgage Broker?
A mortgage broker is a specialist finance provider that serves as an intermediary between borrower and lender. Although banks and building societies usually provide their own products, an independent broker can usually get a much better deal on behalf of the borrower by searching the whole market for an appropriate product.
Why use a Mortgage Broker?
One of the biggest benefits of working with a broker is the simplification of the market comparison and application processes. Once you have provided your broker with a few basic details, they will typically handle most of the subsequent complexities on your behalf.
Working with an independent broker also means gaining access to honest and impartial information, which is rarely available directly from a bank or lender. Brokers can also provide access to exclusive deals you won’t find on the High Street, often from lenders that do not work directly with the public.
Pros and Cons of Mortgage Brokers
The pros and cons that accompany working with a mortgage broker include the following:
- Simplicity – The job of the mortgage broker is to do most of the hard work on your behalf, comparing viable and competitive deals from as many lenders as possible to find your perfect mortgage.
- Expertise – An experienced and reputable broker can also help you choose from the various mortgage products and home loans available, ensuring you make the right decision to suit your requirements and your budget.
- Impartiality – With no direct ties or exclusive affiliations with major banks or lenders, independent brokers are free to offer 100% honest and impartial advice for the benefit of their clients.
- Costs – Some brokers impose fees or commissions on the services they provide, which may be chargeable to the applicant, the lender or both. It is therefore important to check the broker’s fee structure before going ahead.
- Limitations – Not all brokers provide access to all lenders on the UK market, when carrying out their mortgage comparisons. Again, it is therefore important to check the broker’s panel of partner lenders before getting started.
- Experience – Verifying the background, experience and track-record of any given broker is essential, in order to ensure that they are in a suitable position to provide you with the advice and support you need.
The mortgage will subsequently complete in your required timeframe.