You may have heard the term “Whole of Market Mortgage Brokers” banded out quite a bit, even from Martin Lewis off the telly!

The reason for that is because it’s actually something to shout about, especially if you want the best chance at the obtaining the right rate to fit your own criteria.

Firstly, not all mortgage brokers have the same permissions. So, if you go to your estate agents and they tell/ask you to use their in-house mortgage broker, the likelihood is that you are not open to the full market. With just 12-24 lenders available you may be paying more than you have too without knowing it!

With that being said, it’s still better to go and see one of the brokers with a smaller panel of lenders than to just go to one bank (normally your own bank) as they only have one service to advise you on.

Mortgage Brokers have access to preferential rates supplied by the lenders not available on the high street. They also have deals such as free basic mortgage valuations, free solicitors or maybe even cashback on completion!

That's not to mention saving you time by doing the full sourcing for you, taking away the stress of collating all your documents and submitting them to the chosen lender and last but certainly not least, ultimately saving you money.

But, if you work smart and want a completely tailored, bespoke mortgage service aimed at what is most important to you and giving you access to thousands of products then a whole of market mortgage broker like the Mortgage Lady UK should be your first port of call.

We will do everything from initial appointment; ensuring that you are ready for when you find the right home or need to remortgage.

• We will set your budget to ensure that once you get your home you can actually still afford to live and not forego the things you love to do - eating out, gym memberships etc. 
• We will assess your affordability, letting you know how much you can borrow and how much it will cost you.
• Negotiate on your behalf (should you want us to) using market research. 
• Collate all documentation and submit to lender as quickly as possible. 
• We will talk you through your valuation/survey options and then discuss any findings that might arise. 
• Renegotiate if needed from findings of survey.
• Get your protection in place to ensure that you never lose your home through illness. 
• Be with you throughout your financial life. 

Why not get in touch and let us help you? Call us on 0151 318 1592 or send us an email to jen@themortgageladyuk.com