Your house is likely to be the most expensive asset you will ever buy. There are a multitude of different mortgage products to choose from including fixed rate mortgages, discount and tracker rates or even an offset mortgage. Deciding on the most suitable option is often a confusing and time consuming choice to make, and potentially an expensive one to get wrong. Choosing a mortgage that is suitable for your needs and circumstances therefore involves a great deal of thought and careful consideration.
As a qualified independent mortgage broker based in Solihull, I offer a bespoke financial planning service providing impartial and unbiased mortgage advice for a variety of clients in Solihull, West Midlands, Warwickshire and Worcestershire.
If you are an existing homeowner moving house or re-mortgaging for a better interest rate, a first time buyer looking to get a foothold on the property ladder or a buy-to-let investor, I can search the thousands of products available on the marketplace. Being an independent mortgage broker, I am able to recommend the most suitable mortgage and related protection products for your personal circumstances. If you are an existing homeowner, moving mortgage lenders can be a daunting task however it can also save you a lot of money, which is why you should seek independent mortgage advice from an experienced and unbiased mortgage broker.
Do you have an existing mortgage with a special rate expiring soon?
Are you currently paying your lenders standard variable rate of interest?
In an attempt to overcome the various economic issues facing UK residents, the Monetary Policy Committee (MPC) have voted to reduce the Bank of England base rate from 5.75% at the beginning of 2008 to a record low of just 0.5% from 5 March 2009 (source: Bank of England). There has also been ongoing political appeal to implore lenders to reduce their mortgage rates in order to help homeowners and first time buyers during the current recession. The dilema that faces banks and building societies is that they are being also being asked to prove their ongoing financial stability, which conflicts with their ability to reduce the interest rates on products being offered.
With a limited amount of products to choose from, along with the global recession tightening its grip further, it is vital that mortgage holders obtain an unbiased recommendation from a local independent mortgage broker. Even if you have been refused a mortgage elsewhere, or have an impaired credit rating, I may be able to help you. Mortgage lenders may also insist on some form of life assurance for your mortgage in the unfortunate event of the death of the borrower (or borrowers in the case of a joint mortgage) before the outstanding debt is repaid.
Even if you have been refused a mortgage elsewhere, or have an impaired credit rating, I may be able to help you.
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You can choose how to pay for the advice by agreeing for a commission fee paid from the selected lender or a set fee (between £400 and £700 depending on the loan amount). If a fee is chosen, all of the available commission will be refunded to you. Full details of this will be discussed and outlined before any research is performed.