Years ago, the done thing was to go to your own bank, that you have always used and ask them for a mortgage.

The rates given at that bank (normally a Highstreet provider ) may be quite good.. but this may not be the BEST to suit your own personal criteria.

Or, they could decline you due to missed payments on credit, account conduct or even employment or age!

A lot of people now use a mortgage broker as they are highly regulated, know the business inside out and can take the stress out of the full process.

Plus, regulations change so quickly what you could have done 2 years ago may not apply now and vice versa, what you couldn't do a couple of years ago you can now.

This is also the case for re-mortgages where you have came out of your fixed term and moved onto SVR (standard variable rate ) each lender has their own SVR and they do not need to adhere to the Bank of England base rate.

With whole of market mortgage brokers ( like me ) we can source the market to find you the most appropriate mortgage to fit your needs. This may in fact be your own bank! But we will not know this until we search.

Maybe you think that you cannot get a mortgage or re-mortgage because of missed payments or maybe you are paid a little different of self employed. I'm confident in any situation and if I couldn't get you a mortgage straight away we would get an action plan in place to reapply at a later date. What’s more? If things were to fall through later down the line or you change your mind, I will always be on hand to help in anyway that I can!

So, if you need help whether you be a home mover, first time buyer or buy to let investor, let me guide you to the best mortgage for you!

Get in touch today on 0151 318 1592 or fill out the contact form below!