Mortgage Brokers in LOCATIONXXX

What is a mortgage broker

{ A mortgage broker acts as an intermediary who brokers mortgage loans on behalf of individuals or businesses. | A mortgage broker is sometimes considered a middle man who brokers loans in favour of people or businesses. | A mortgage broker represents individuals or companies looking to broker mortgage loans. | Mortgage loans are brokered on behalf of companies and individuals by mortgage brokers, who effectively act as intermediaries. | To broker a mortgage loan, a mortgage broker will act as a link on behalf of an individual or business. } { Mortgage brokers exist to find a bank or direct lender that will be willing to make the specific loan an individual requires. | Mortgage brokers strive to find a bank or direct lender that will agree to meet the particular loan an individual requires. | The purpose of mortgage brokers is to look for banks or direct lenders that will willingly provide the specific loan an individual would need. | Mortgage brokers function to find banks or lenders that will willingly make the exact loan an individual requires. | The job of a mortgage broker is to identify banks or direct lenders that would make the actual loan an individual seeks. } { With a mortgage broker in LOCATIONXXX, you’ll have an easier time procuring the mortgage loan you need at the best possible terms. | Finding a good deal for a mortgage loan in LOCATIONXXX will be easier if you work with a mortgage broker. | Working with a mortgage broker in LOCATIONXXX will help you get the mortgage loan you require at a favourable deal, without any unnecessary stress. | You’ll have a stress-free time getting a great deal on the mortgage you need in LOCATIONXXX if you work with a mortgage broker. | If you work with a mortgage broker in LOCATIONXXX, it won’t be so difficult to get a great deal on the mortgage loan you require. } { The right broker will also improve your chances of getting a mortgage, even if you have a poor credit score or are subject to any other circumstances that could complicate your mortgage application. | Even if you have a poor credit score or any other issues that could affect your mortgage application, working with a reputable mortgage broker will still boost your chances considerably. | If you have a poor credit score or any other problems that could have an impact on your mortgage application, the right mortgage broker can increase your chances immeasurably. | If you work with a reputable mortgage broker and have a poor credit score or any other issues that could affect your mortgage application, your chances would be greatly improved. | Even with complicated circumstances or a poor credit score, the ideal mortgage broker will boost your chances of getting a mortgage. }

{ Because professional mortgage brokers are regulated to assure compliance with banking and financial laws in the jurisdiction of the consumer, you can be assured you’re in good hands. | Professional mortgage brokers are bound under strict regulations and required to comply with banking and finance laws in the customer’s jurisdiction, so, you don’t have to worry about being in the wrong hands. | With regulations in place to make sure professional mortgage brokers follow banking and finance laws in the relevant customer jurisdiction, you won’t have to worry about being in the wrong hands. | There are regulations in place to guide professional mortgage brokers and make sure they adhere to banking and finance laws in the jurisdiction of customers, so you can be sure you’re in good hands. | Also, you can rest easy knowing that professional mortgage brokers must work within regulations that require their compliance to banking and finance laws in the jurisdiction of the consumer. }

What Is A Mortgage?

{ Quite simply, a mortgage is a loan. | In simple terms, a mortgage is a loan. | A mortgage is simply a loan. | A mortgage is in effect a loan. | Simply put, a mortgage is a loan. } { Unlike personal loans, a mortgage is specifically tied to a piece of property, so that it acts as security against the loan. | As opposed to personal loans, a mortgage is tied to a piece of property, acting as a security against the loan. | Quite unlike personal loans however, a mortgage is used as guarantee against a loan, because it is linked to a piece of property. | A mortgage is not like a personal loan, as it is specifically attached to a piece of property used as collateral against the loan. | A mortgage is specifically linked to a piece of property so that it acts as security against the loan, which makes it different from personal loans. } { If you default on your payments, your mortgage provider has the right to take back (repossess) the property. | If you fail to make payments when due, your mortgage provider would have the right to repossess (take back) the property. | The property can be rightfully taken from you (repossession) by your mortgage provider if you do not make payments on time. | Mortgage providers can rightfully take back (repossess) the property if you default on your payments. | Failure to pay when due can result in your mortgage provider taking back (repossessing) the property, as would be their legal right. }

{ Typically, mortgages are laid out for a set period – usually 25 years, although shorter or longer terms are also possible. | Mortgages are usually set for a set period of 25 years, but can sometimes be set for longer or shorter terms. | In essence, mortgages have a set duration – mostly 25 years – although there are shorter or longer terms available. | While shorter or longer terms are available, mortgages are usually set for a 25-year period. | Mortgages are nearly always set for a 25-year period, but long and short terms are also available. } { Once you’ve borrowed the money, a repayment plan is then set in place. | A repayment plan is arranged as soon as you borrow the money. | As soon as you borrow the money, a plan for repayment is implemented. | A repayment plan is set up as soon as you’re granted permission to borrow the money. | A plan for you to make repayments is drawn up once you’ve borrowed the money. } { Although there are different types of mortgages, the most common is one whereby you are bound to a monthly capital repayment plan. | While there are various mortgage options, the most popular one requires a monthly capital repayment plan. | Even though the available mortgage plans vary, those that involve repayment plans on a monthly capital basis are very popular. | Mortgages with monthly capital repayment structures are the most common, even though there are other options available. | Although mortgages which involve monthly capital repayment plans are more common, there are also other types of mortgage available. }

{ As well as paying back the money you initially borrowed (the ‘capital’), you’ll also be charged interest on that sum. | In addition to repaying the original loan (the ‘capital’), you’ll also have to pay interest on top. | You will be required to pay interest on the loan | You won’t only have to repay the capital (the money you borrowed), but also the interest on it. | Aside from repaying the money you borrowed initially, you will be charged interest on the amount you’ve been loaned (the ‘capital’). } { A mortgage is a debt instrument, secured by the collateral of a specified property that the borrower is obliged to pay back via a predetermined set of payments. | A mortgage – secured by the collateral of the property involved – is a debt instrument that the borrower must repay against the agreed pre-set payment instalments. | A mortgage is a debt instrument that is acquired using the collateral of a particular property that the loanee must repay in predetermined amounts. | Acquired by the collateral of a particular property, a mortgage is an instrument of debt the borrower is required to repay, according to a pre-set payment structure. | Secured using the collateral of a particular property, a mortgage is a debt instrument the borrower must repay via a predetermined structure of payment. } { Mortgages are a vehicle for individuals and businesses to make large property purchases, without paying the entire value of the purchase up front. | Individuals and businesses use mortgages to buy property, without having to pay the total value up front. | Mortgages allow individuals and businesses to purchase sizable properties, without paying the entire cost at once. | Where mortgages are concerned, individuals and businesses don’t have to make one-time payments up front for large property purchases. | Large properties can be bought by individuals and businesses via a mortgage facility, whereby they don’t have to pay the entire cost immediately. } { Over a period of many years, the borrower repays the loan (plus interest) until they eventually own the property outright, without any mortgage. | The borrower will repay the loan and interest over an extended period of time, until they completely own the property, without any mortgage. | The loan and interest attached needs to be paid back over some years before the borrower can own the property without a mortgage. | The property can be owned by the borrower without a mortgage after the loan plus interest are repaid by them over a period of time. | Over time, the loan and interest included can be repaid by the borrower, before the property can become theirs without any mortgage. } { If the borrower stops paying the mortgage, the lender can repossess the property against which the mortgage is secured. | The lender can repossess the property against which the mortgage is secured if the borrower does not keep up with mortgage payments. | The property the mortgage is secured on can be taken back by the lender if the borrower discontinues mortgage payments. | Failure to make mortgage payments can result in the lender taking back the property used as collateral for the mortgage. | If the borrower defaults in making mortgage payments, the property on which the mortgage is secured can be repossessed by the lender. }

{ The bank has a charge on the house; should the home buyer default on paying the mortgage, then the lender may repossess the property. | Should there be a default on mortgage payments, the lender can take back the property, as the bank will have a charge on it. | The property can be repossessed by the lender if the home buyer fails to make mortgage payments, since the bank has a charge on the house. | If the home buyer does not keep up with mortgage payments, the lender can take the property back, as there are bank charges against it. | The bank will have a charge on the property, so the lender may repossess it if the home buyer does not make the mortgage payments. } { In the case of a repossession, the bank may evict the home’s tenants and sell the house, using the income from the sale to clear the mortgage debt. | The bank can evict the tenants, sell the property and use the income to pay off the mortgage debt if there is a repossession. | If there is a repossession, the tenants can be evicted by the bank and the property sold to repay the mortgage debt. | The tenants can be evicted in a repossession case and the property sold by the bank. Subsequently, the equity from which would be used to cover the mortgage debt. | The home’s tenants may be evicted by the bank, the property sold, and the equity used to clear the mortgage debt if there’s a repossession. }

{ Mortgages come in many forms. | There are many forms of mortgages. | There are several types of mortgages. | Mortgages come in various guises. | There are various types of mortgages. } { With a fixed rate mortgage, the borrower pays the same interest rate for an initial term (i.e. two, three or five years), although longer fixed rate terms are available. | Even though there are longer fixed rate mortgage terms available, the borrower would have to pay the same interest rate for the initial terms of two, three or five years. | Borrowers must still pay the same interest rates on fixed rate mortgages as they would for the initial terms of two, three or five years, even though fixed-rate mortgages are available in longer terms. | While there are longer fixed rate terms provided, the borrower will pay the same interest for the initial term; that is, two, three or five years, with a fixed rate mortgage. | With a fixed rate mortgage, even though there is provision for longer fixed rate terms, borrowers are expected to pay the same interest rate for the initial terms (being two, three or five years). } { The monthly payment never changes during the fixed rate term. | Monthly payments do not change during the fixed rate term. | During the fixed rate term, monthly payments remain the same. | Monthly payments remain constant during the fixed rate term. | For fixed rate terms, the monthly payments remain the same throughout. } { If market interest rates rise, the borrower’s payment does not change on a fixed rate. | The borrower’s payments will not change on a fixed rate, even though the market interest rates increase. | The borrower’s payments will not be affected by any increase in the market interest rates if they are on a fixed rate. | An increase in interest rates in the market won’t change the payments of the borrower if they have a fixed rate. | The borrower would continue with the same payments if they have a fixed rate, even if the market interest rates go up. } { If market interest rates drop or increase, the borrower’s mortgage repayment remains the same if they are on a fixed rate. | An increase or decrease in the market interest rate will not affect the borrower’s mortgage repayments if they have a fixed rate. | The mortgage repayments the borrower makes won’t differ if the interest rates in the market change if they are on a fixed rate. | Changes in market interest rates have no effect on the borrower’s mortgage repayment if they have a fixed rate. | The borrower’s mortgage repayments do not change if the market interest rates rise or fall if they have a fixed rate. }

{ Get in touch with the Mortgage Saving Experts in LOCATIONXXX. | Contact the Mortgage Saving Experts in LOCATIONXXX. | Reach out to the Mortgage Saving Experts in LOCATIONXXX. | Get in contact with the Mortgage Saving Experts in LOCATIONXXX. | Connect with the Mortgage Saving Experts in LOCATIONXXX. } { You can reach them by dialling 01273 738 072 today for a friendly chat. | You can do so by calling us on 01273 738 072 for a friendly conversation. | You can do this by dialling 01273 738 072 for a friendly chat. | For a brief and informal chat, call us now on 01273 738 072. | You can reach us by dialling 01273 738 072 today for a friendly chat. }

{ After the fixed rate ends, your mortgage normally reverts to a ‘standard variable rate’, which is a rate set by the lender, bank or building society that’s lending you the money. | At the end of the fixed rate, your mortgage would revert to a ‘standard variable rate’ put in place by the lender, bank or building society from whom you borrow the money. | When the fixed rate is over, your mortgage return to a ‘standard variable rate’, which is usually set by the bank or lender from whom you borrow the money. | Your mortgage will usually revert to a ‘standard variable rate’ laid down by the bank, building society or lender that lends you the money, once the fixed rate ends. | As soon as the fixed rate ends, your mortgage will be returned to a ‘standard variable rate’ set by the bank, lender or building society that lends you the money. } { This rate can go up or down whenever the lender sees fit, so if you have a diligent broker or good diary system in place, remember to re-mortgage or call your existing lender and change the rate by looking around three months before that rate increases to the variable rate. This will save you paying much higher monthly payments. | The rate can increase or decrease as the lender decides, so with a good broker or diary system in place, do not forget to re-mortgage or call your existing lender, so you can adjust the rate sometime around three months before it’s increased to the variable rate. This will help you avoid paying higher monthly payments. | If you have a diary system in place or a switched-on broker, you must remember to re-mortgage or contact your existing lender and change the rate three months before it increases to the variable rate. This is because the rates can increase or decrease as the lender sees fit, which will help you avoid higher monthly payments. | Lenders may change the rates as they see fit; to avoid paying higher monthly rates, you must remember to re-mortgage if you have a good broker or diary system in place. Otherwise, call your current lender and adjust the rate around three months before it’s increased to the variable rate. | You must remember to re-mortgage if you have a good broker or diary system in place. Alternatively, call your current lender to adjust the rates around three months prior to it being raised to the variable rate. This way, you can avoid paying too much on monthly payments, because lenders can adjust the rates as they deem fit. }

{ In short, the initial interest rate is often a low rate, which can make a mortgage seem more affordable than it really is. | In fact, the initial interest rate is usually a low rate, which can make a mortgage appear less expensive than it is. | A mortgage may appear cheaper than it really is, because the initial interest rate is mostly a low rate. | A mortgage can seem less costly than it really is, with the initial interest rate often being a low rate. | Quite often, the initial interest rate is a low rate, which can make a mortgage appear cheaper than it is. } { If interest rates increase at a later date, the borrower may not be able to afford the higher monthly payments. | Higher monthly payments may be hard to meet for the borrower if interest rates are increased later. | An increase in interest rates later on could mean that the borrower would not be able to continue with payments. | If interest rates rise later on, the monthly rates may become too high for the borrower to pay. | The borrower might not be able to keep up with higher monthly payments, should the rates be later increased. } { Because the variable rates can change at any time, the monthly payments are unpredictable after the initial term. | Monthly payments after the initial term are usually unpredictable, since the variable rates could be changed at any time. | With the possibility of the variable rates being changed at any time after the initial term, monthly payments subsequently become unpredictable. | After the initial term, variable rates can be adjusted at any time, making the monthly payments unpredictable. | Variable rates after the initial term can be changed at any time, causing monthly payments to be rather unpredictable. }

{ Other less common types of mortgages – such as interest-only mortgages, tracker rates, offset mortgages, buy to lets, bridging loans and secured loans – could also be available to you, so speak with an independent broker to determine your options. | There are other types of mortgages, such as interest-only mortgages, offset mortgages, tracker rates, bridging loans, secured loans and buy to lets, which are less common but may be available nevertheless. Therefore, you should contact an independent broker to know your options. | Talk to an independent broker about other types of mortgages that could be options for you, such as buy to lets, interest-only mortgages, secured loans, bridging loans, offset mortgages and tracker rates, which are not so common. | Other types of mortgages exist that are not so common. However, they may be available to you, so talk to an independent broker about such options, which include offset mortgages, interest-only mortgages, buy to lets, secured loans, tracker rates and bridging loans. | Interest-only mortgages, tracker rates, offset mortgages, secured loans, buy to lets, and bridging loans are less-common types of mortgages that could be available, so contact an independent broker to discover your options. } { Our mortgage brokers in LOCATIONXXX can help you find the most suitable mortgage deal to match your unique needs and circumstances. | In LOCATIONXXX, our mortgage brokers can assist you in finding the ideal mortgage deal to match your unique circumstances and specifications. | You can receive assistance from our mortgage brokers in LOCATIONXXX to find a mortgage deal that best matches your individual specifications and circumstances. | Our mortgage brokers in LOCATIONXXX can provide help for getting the best mortgage deal to suit your personal specifications and requirements. | To match any needs and requirements you might have, our mortgage brokers in LOCATIONXXX can help to find the best possible mortgage deal for you. }

Handy Tools and Calculators

{ With a clear idea of the maximum you can borrow and how much the loan will cost, it then becomes easier to plan your future. | With an estimate in mind – in terms of how much you can borrow and cost of the loan – you’ll be able to plan your future more easily. | You can easily plan your future once you have an idea of the maximum you can borrow and how much the loan will cost. | Knowing how much you can borrow – as well as the cost of the loan – will help make planning your future easier. | Being aware of what you can borrow and the amount the loan will cost will make it simpler to plan your future. } { Use this handy calculator to see just how much your mortgage repayments are going to be, based on your total loan amount and interest rate. | Take advantage of this handy calculator to determine exactly how much your mortgage repayments will be, based on your total loan figure and interest rate. | Find out just how much your mortgage repayments are going to be, dependent on your interest rate and full loan amount, using this handy calculator. | With this handy calculator, get a better understanding of how much your mortgage repayments will be, based on your full loan and interest rate. | Find out how your interest rate and total loan amount determines your mortgage repayments with this handy calculator. } { Just enter those values together with your term and press ‘Click to calculate’ to instantly see how much you’ll need to repay each month. | Just fill in those values, along with your term and press ‘Click to calculate’ to immediately see the amount you will have to repay per month. | Find out how much you’ll have to repay every month instantly by simply entering those values with your term and pressing ‘Click to calculate’. | To immediately determine how much you’ll have to repay each month, simply enter the values and your term before pressing ‘Click to calculate’. | Simply fill in the values plus your term and press ‘Click to calculate’ to immediately discover the amount you must repay monthly. }

Mortgage Calculator
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Why Use A Mortgage Broker?

{ There are a wide range of benefits to be enjoyed from working with a mortgage broker in LOCATIONXXX with regards your mortgage application. | Working with a mortgage broker for your mortgage application in LOCATIONXXX can be beneficial in various ways. | There are a variety of advantages that come with working on your mortgage application with a mortgage broker in LOCATIONXXX. | In LOCATIONXXX, working with a mortgage broker on your mortgage application is beneficial in a number of ways. | Working on your mortgage application with a mortgage broker in LOCATIONXXX comes with many different benefits. } { Some of the more obvious benefits include: | Some of the most obvious of these benefits are: | Of these benefits, some of the most evident include: | Of these advantages, some of the more prominent include: | Some of the most prominent benefits are: }

Save Money

{ The most obvious benefit of choosing a mortgage broker is the potential to save money. | The possibility of saving money is the most obvious advantage of working with a mortgage broker. | The most visible benefit of choosing to work with a mortgage broker is that you will likely save money. | In working with a mortgage broker, the most noticeable benefit would be the opportunity to save money. | Of all the benefits working with a mortgage broker provides, the possibility of cutting costs would be the most obvious. } { You’ll be required to complete a few details, but the hard work is managed by an experienced professional, who has your best interests in mind. | You only need to provide a few details, before an experienced professional committed to protecting your interests handles the hard work. | You’ll just need to fill out some details and an experienced professional with your best interests in mind will deal with the hard work. | You don’t have to handle the hard work, as this can be managed by an expert with ample experience, who will make sure your best interests are addressed. All you’ll need to do is fill out some details. | An experienced expert can take care of the hard work and see to it that your interests are protected. You’ll only need to provide a few details. }

{ Some people are sceptical about this – especially with the concept of a mortgage broker not yet universally understood. There must be a catch somewhere, surely? | With limited understanding on the concept of mortgage brokers, some people don’t fully trust this, believing there must be a catch at some point. | Some people worry about how true this is, considering the entire idea of mortgage brokers is still misunderstood somewhat around the globe. So, where is the catch? | For some people, there are doubts regarding this, mostly because mortgage brokers are not fully understood worldwide, so it’s generally thought there must be some sort of catch. | Some people are not fully convinced about this, what with the concept of a mortgage broker still vaguely understood universally. So, there has to be a catch somewhere, surely? } { While this train of thought is understandable, be assured that most mortgage brokers don’t have an incentive to work against your best interests. | As understandable as such thoughts are, it’s important to understand that mortgage brokers have nothing to gain by not working in your best interests. | Even though this line of thought is understandable, you can rest easy, because not working in your best interests is in no way profitable to a mortgage broker. | A mortgage broker wouldn’t stand to gain anything by not working in your favour. You’ll need to bear this in mind, even though any concerns you might have are understandable. | Although such reservations are not entirely invalid, you should be aware that there is no benefit for mortgage brokers who do not work in your best interests. }

{ In fact, a broker could be in serious trouble if they are unable to prove to you, their regulators, the Financial Conduct Authority or the Prudential Regulation Authority why they’ve recommended the particular mortgage that they have. | The broker could actually be at a disadvantage if they cannot prove to you, their regulators, the Financial Conduct Authority or the Prudent Regulation Authority why they made the recommendations in respect of the mortgage in question. | If the broker cannot provide genuine reasons for recommending the mortgage they have (to you, their regulators, the Financial Conduct Authority or the Prudential Regulation Authority), then they could be in serious trouble. | In truth, brokers have to provide viable reasons to you, their regulatory body, the Prudent Regulation Authority or the Financial Conduct Authority for recommending the mortgage they have. To not do so could lead to them facing significant problems. | In short, a broker is required to give proof of their reasons for recommending the mortgage they have (to you, their regulators, the Prudent Regulation Authority or Financial Conduct Authority) or they could be penalised. } { Many mortgage brokers can obtain exclusive mortgage deals not found on the high street, potentially making the total loan cost lower for the client. | Exclusive mortgage deals not found on the high street can be unearthed by many mortgage brokers, which could potentially cut the cost of the entire loan for the client. | There are various inexpensive, exclusive mortgage deals that a number of mortgage brokers can find for their clients that could possibly reduce the total loan cost. | Exclusive mortgages deals exist on the lower end that can be obtained by a number of mortgage brokers, possibly making the total cost of the loan that bit lower. | To potentially reduce the cost of the entire loan, there are some mortgage brokers who can secure exclusive mortgages deals not available on the high street. } { A reputable mortgage broker will disclose how they are paid for their services, as well as detail the total cost of the loan. | Reputable mortgage brokers will usually inform you how they get paid for their services, as well as disclose the details of the entire cost of the loan. | Detailing the entire cost of the loan and letting you know how they get paid for their services is the duty of any reputable broker. | Reputable mortgage brokers communicate how they expect to be paid for their services, as well as outline the details of the entire loan. | A reputable mortgage broker will disclose details of how they take payment for their services and convey the components which make up the entire mortgage cost. } { Positive user experience is much more valuable to a mortgage advisor company than padding out an individual broker’s pocket. | A mortgage advisor company values ensuring a positive experience for their customers over padding the pocket of a broker. | For a mortgage advisor company, a positive user experience is higher on the value chain than lining the pockets of an individual broker. | A positive user experience is more important to a mortgage advisor company than just filling the pocket of an individual broker. | Filing the pockets of a broker is of little value to a mortgage advisor company when compared to making sure customers have a positive experience. }

Search 1000s of mortgage deals by taking 15 minutes, speaking to 1 adviser

Finds The Most Advantageous Deal

{ A mortgage broker represents your interests, rather than those of a lending institution. | For a mortgage broker, your interests – rather than those of the lending institution – are paramount. | A mortgage broker will always be in favour of your own interests and not those of the lending institution. | Your interests – and not those of the lending institution – will be represented by the mortgage broker. | A mortgage broker will work towards protecting your interests, rather than those of the lending institution. } { They should act not only as your agent, but also as a knowledgeable consultant and problem solver. | They shouldn’t just play the role of your agent, but also those of problem solver and knowledgeable consultant. | In addition to being your agent, they should also be knowledgeable consultants and problem solvers. | Acting as your agent isn’t all they should do, but also problem solvers and knowledgeable consultants too. | Not only should the role of being your agent be their focus, they also need to be knowledgeable consultants and problem solvers. } { With access to a wide range of mortgage products, a broker can offer you the greatest value in terms of interest rates, repayment amounts, and loan products. | You can get the best value as per interest rates, loan products and repayment amounts thanks to the wide range of mortgage products to which a broker has access. | A broker can offer the best value when it comes to repayment amounts, interest rates and loan products. This is because a large variety of mortgage products are accessible to them. | A broker has access to many different mortgage products and can therefore offer you great value in terms of relation interest rates, loan products and repayment amounts. | For terms like interest rates, repayment value and loan products, you can get the best possible value from a broker, who has access to a wide array of mortgage products. } { Mortgage brokers will interview you to identify your needs, as well as short and long term goals. | You will be interviewed by the mortgage brokers to determine your needs and goals – both in the short and long term. | To ascertain your goals and needs (both short and long term), you’ll be interviewed by the mortgage broker. | The mortgage broker will talk with you to get a clear picture of your needs, as well as short and long term goals. | You’ll be required to meet with the mortgage broker to document your needs, as well as your short and long term goals. } { Many situations demand more than the simple use of a 30-year or 15-year mortgage. Therefore, innovative mortgage strategies and sophisticated solutions are distinct advantages of working with an experienced mortgage broker. These include mortgage to raise capital for repaying debts, money for the children or essential home improvements, or even to enable the purchase of other properties such as buy to lets. | The simple use of a 30 or 15-year mortgage is inadequate for many situations, which is why sophisticated solutions and innovative strategies are the benefits of working with an experienced mortgage broker. This includes mortgage to raise capital for repayments, money for necessary home improvements or children, or even to buy other properties such as buy to lets. | Simple 30 or 15-year mortgages are not sufficient in many cases, which is why innovative mortgages and sophisticated solutions are distinct benefits of working with experienced brokers. These include mortgages to raise capital for repaying debts, money for marital needs or children, home renovations or the purchase of other properties such as buy to lets. | Sophisticated solutions and innovative mortgages are distinct advantages of working with experienced broker, because simple 15 or 30-year mortgages aren’t enough in some situations. These include mortgages to raise capital for debt repayment, money for your children, important home renovations or even the purchase of other properties like buy to lets. | Amongst the benefits of working with experienced mortgage brokers are innovative mortgages and sophisticated solutions, because regular 15 or 30-year mortgages aren’t usually sufficient. These include money for children or carrying out much needed renovations, mortgages to raise capital for repaying debts or even money to buy other properties like buy to lets. }

Has Flexibility Expertise to Meet Your Needs

{ A mortgage broker navigates the client through any situation, handling the process and smoothing any bumps in the road along the way. | A mortgage broker will guide the client throughout the whole process and sort out any issues that might arise. | The client will be under the direction of a mortgage broker, who will manage the process and handle any issues that could arise along the way. | Any problems that may arise can be dealt with by a mortgage broker, who will oversee the whole process, guiding the client through any situation along the way. | A mortgage broker will work with the client in any situation, as well as manage the process and take care of any bumps in the road that may occur. } { For example, if borrowers face credit issues, the broker will know which lenders offer the best products to meet their particular needs. | For instance, a broker will have knowledge of the lenders who offer the best products to meet the needs of a client with a credit issue. | For example, borrowers with bad credit issues can find great products that will suit their needs through brokers who know lenders that offer such products. | For instance, brokers would know the lenders that can make available the best products for clients with credit issues. | If a borrower has credit issues for instance, the broker would know about lenders who have the best products available to meet their needs. } { Borrowers who find they need larger loans than their bank will approve can also benefit from a broker’s knowledge and ability to successfully obtain financing. | If a borrower requires a loan too large for the bank to approve, a broker can be of benefit by providing the knowledge and ability to successfully source financing. | A broker will be beneficial in providing the necessary knowledge to source financing if a borrower requires a loan that’s larger than the bank would normally approve. | If a borrower requires a large loan – considerably more than what the bank will approve – the knowledge and expertise of a broker in securing financing would be a distinct advantage. | The knowledge and capability of a broker to successfully source financing will be of great benefit to a borrower who realises the loan they need may be too large for a bank to approve. }

Save Time & Hassle

{ It’s not all about money. | Money isn’t the only consideration. | It is not just about money. | It’s never just about money. | It isn’t only about money. } { Your time and sanity are just as important as saving a bit of extra cash. | As much as it’s important to save some extra money, your time and sanity are important as well. | Your time and sanity are just as important as saving some extra money. | Saving some extra cash is great, but so is your time and sanity. | While it’s a good thing to save some extra money, your sanity and time matter just as much. } { Consider how much time it would take you to research multiple loan types from multiple lenders. | Think of the amount of time you’d spend researching multiple loan types from multiple lenders. | Imagine how much time it would take to find out about the numerous types of loans available from multiple lenders. | Give a thought to the amount of time you’d have to invest when enquiring about various loan types from numerous lenders. | Take into consideration the time you would need to research different kinds of loans from multiple lenders. } { With a mortgage broker, you’ll only need one application, rather than completing forms for each individual lender. | You’d only need to complete one application with a mortgage broker, instead of filling out forms for every individual lender. | Unlike working with different lenders – which would require you to complete different forms every time – you’d only need one form with a mortgage broker. | You’d be required to fill out just one application with a mortgage broker, unlike completing one for every different lender. | You would only have to fill out one application form, instead of one for every lender you have to work with. } { Your mortgage broker can provide a formal comparison of any loans recommended, as well as advise on the information which accurately portrays cost differences, reflecting current rates, points, and closing costs for each loan. | A formal comparison of the recommended loans can be made available by your broker to provide information that would clearly show the differences in cost, including current rates and the costs of closing each of the loans. | The loans recommended can be formally compared for you buy your mortgage broker. This will serve as a guide to the information which correctly shows cost differences, with present rates, points and closing costs for each loan illustrated. | Your mortgage broker can make available a formal comparison of the loans recommended to advise on the information which completely illustrates cost differences, along with present rates, points and closing costs for every loan shown. | A formal comparison of the loans recommended can be provided by your mortgage broker to act as a guide for the information that accurately illustrates the differences in cost, showing present rates and points, as well as closing costs for each loan. } { Your broker compares loans from major and less popular lenders to find you the best deal with the lowest rates and overall cost. | To find the best deal in terms of lower rates and overall cost, your broker will make comparisons between popular and less popular lenders. | Comparisons will be made by your broker between popular and less popular lenders to get you the most suitable deal, with lower rates and total cost. | Your broker will set deals from major and less popular lenders side by side in order to discover an agreeable deal, with rates and total costs that are lower. | Major lenders and those not so popular will be compared by your broker to seek out the most suitable deal for you, in terms of lower rates and total cost. }

{ Take some of the work off your shoulders and outsource it to someone who can offer expert advice. | Outsourcing the work to someone who can provide an expert opinion is a great way to relieve yourself of the burden involved. | You don’t have to burden yourself with all the work, as outsourcing is a viable option to take in order to gain expert advice. | By outsourcing, you can reduce the workload and get someone else’s professional advice. | Reduce the workload for yourself and outsource it to someone who can provide professional advice. } { Mortgage brokers do the legwork for you by supporting you throughout the application and pre-approval process. This includes completing all paperwork, answering questions, helping you apply for government schemes and shedding light on options and loan features you may not have considered or even known about. | A mortgage broker can do a lot of the work by providing you with support throughout the application and approval process. This might involve completing all paperwork, helping you with applications to government schemes, answering questions and explaining the options and loan features, about which you may not have been aware. | A mortgage broker can provide an array of support throughout the application and approval process. This can include assisting with paperwork, responding to questions and helping with government scheme applications, as well as explaining all the available options and loan features you may not have considered or been aware of. | To be of assistance throughout the entire application and approval process, mortgage brokers do the bulk of the work. This includes handling all the paperwork, helping with applications for government ski schemes, answering questions and providing insight on other options and loan features you may not have given thought to. | Mortgage brokers do the bulk of the work by helping you during the application and approval process in ways such as taking care of all paperwork; answering questions; handling applications for government schemes; and providing information about the various options and loan features you aren’t aware of. } { These features can include drawdown facilities, the option to make extra repayments and offset accounts to name a few. | These features could include things such as drawdown facilities and options for making extra repayments and offset accounts. | Drawdown facilities, offset accounts and extra repayments (to name a few) are just some of the features involved. | Some of these features can include drawdown facilities, offset accounts and options for extra repayments to name but a few. | A few of the features may include options to make extra repayments, as well as drawdown facilities and offset accounts. } { These features can make a massive difference to your mortgage experience and overall costs. | Features like these can make a huge difference to your mortgage costs and overall experience. | These types of features can make a significant difference to your mortgage cost and experience. | Your general mortgage experience and overall expenses can be largely affected by these features. | A noticeable difference can be made to your overall experience and the cost of your mortgage. } { If you’re unfamiliar with these concepts and how they might affect you, your broker can clarify and answer any questions via a phone call. | Better still, if you’re not well versed with these concepts and how they could affect you, your broker can clarify answer questions you may have over the phone. | If you don’t know much about these concepts and how they can work for you, reach out to your broker over the phone for clarification and answers. | In fact, if you don’t know so much about these concepts and the effects they could have, you can find clarification and get answers to any questions you may have during a phone call. | Better still, your broker can answer any questions you might have over the phone or provide clarity if you don’t know much about these concepts and the impact they could have on you.}

Access to exclusive non-advertised deals

{ Brokers have access to exclusive deals that aren’t advertised by the banks. | There are exclusive deals that aren’t advertised by banks to which brokers have access. | Exclusive deals not advertised by banks can accessed by mortgage brokers. | There are exclusive deals not made public by the banks that brokers have access to. | Brokers have access to exclusive deals which the banks do not announce. } { The banks push these deals on to brokers, who are in charge of selling the products. | These deals are passed by the banks to the brokers, who then have the responsibility of selling the products. | The deals are pushed by the banks on to the brokers, who are then charged with overseeing the sale of products. | The brokers are charged with selling the products, as the deals are pushed on to them by the banks. | The banks pass these deals on to the brokers, who are responsible for selling the products. } { Speaking to a broker unlocks these extra perks you would otherwise miss out on by going directly to a bank. | Contacting a broker will unlock these extra benefits you would miss out on if you were to approach the bank yourself. | Talking to a broker can release these extra perks, which you’d otherwise not enjoy by contacting the bank yourself. | Going to the bank directly could cause you to miss out on added benefits such as these, which you can procure by speaking to a broker. | If you contact the bank yourself, you wouldn’t have access to the extra benefits you would otherwise get by speaking to a broker. }

{ A bank can only sell their own deals – not those of the other banks as well – whereas a broker can search the whole market for the best deal. | A bank can provide access to their own deals (not those offered by other banks), but brokers can gain access to the entire market to find the best deals. | While banks can only provide their own deals (and not the deals offered by other banks), brokers can scour the entire market to discover the most suitable deal. | Brokers can search the whole market for the finest deal, whereas individual banks can only offer their own deals and not those of other banks. | Unlike brokers who have access to the whole market to search for the best deals, banks can offer their own deals alone – and not the deals offered by other banks. }

Better chance of pre-approval success

{ Whenever you request an Agreement in principle / Decision in principle of a loan, this leaves a mark on your credit rating if you’re refused. | If you’re knocked back after requesting an Agreement in principle/Decision in principle of a loan, this will leave a mark against your credit rating. | When you request an Agreement in principle/Decision in principle of a loan and are refused approval, this shows up on your credit rating. | If your request for an Agreement in principle/Decision in principle of a loan is turned down, a mark is left on your credit rating. | A mark is left on your credit rating if your request for an Agreement in principle/Decision in principle of a loan is turned down. } { Brokers have the knowledge and experience required to give you the best shot at being approved at the first attempt. | With the required knowledge and experience brokers possess, you’ll have a better chance at approval the first time around. | The experience and knowledge required for your best chance of approval the first time you apply is something brokers have in abundance. | Brokers are knowledgeable and have the much-needed experience to give you a better shot at approval the first time you apply. | You’ll need the necessary knowledge and experience a broker has to secure approval on your first attempt. }

Access to expert knowledge

{ Mortgage brokers help people secure loans for a living. | Helping people secure loans is what mortgage brokers do for a living. | The job of a mortgage broker is to help people secure loans. | A mortgage broker’s job is to help people obtain loans. | Mortgage brokers assist people with obtaining loans as part of their job. } { They have access to helpful information and exclusive deals you’d otherwise not find. | They can access useful information and exclusive deals you likely couldn’t find yourself. | Helpful information and exclusive deals you won’t find yourself are accessible to them. | They have access to information and select deals you wouldn’t discover by yourself. | There’s much information and numerous exclusive deals available to them that you won’t find by yourself. } { Loans come with certain subtleties you could miss if you’re not looking out for them. | Loans are attached to subtleties you could easily overlook if you aren’t searching for them. | There are small details accompanying loans that you might miss if you’re not looking for them. | If you aren’t looking for them, you’re likely to miss the subtle details that come with loans. | If you’re not on the lookout for them, you might not notice the subtleties that accompany loans. } { It’s these subtleties that can make a difference to your mortgage in the long haul. | In fact, it is these small details that can make a difference to your mortgage in the long run. | At the end of the day, these subtleties tend to improve your mortgage chances. | In the long run, subtleties like these are significant to your mortgage. | The difference to your mortgage could ultimately be made by these subtleties. } { Having the services of an experienced professional who can point these out for you is a huge benefit. | It’s beneficial to have an experienced professional to point out these things for you. | If you have an experienced professional who can show you these things, you’ll be at a distinct advantage. | An experienced professional to point you in the right direction is extremely beneficial. | It is a huge plus to have the services of an experienced expert to show these things to you. }

{ Instead of taking time out of your day to research thousands of loans and multiple lenders – and still potentially missing key subtleties – why not hand the work to someone who’s experienced in this industry? | Instead of removing a chunk of your day to conduct voluminous research of loans and multiple lenders as well as possibly missing important subtleties, why not give the work to a person who has ample industry experience? | Rather than putting time aside to research thousands of loans and several lenders – and still possibly miss important subtleties – why not let someone else who has industry experience handle the work? | You can avoid spending valuable time to research numerous loans and lenders (while perhaps missing fundamental key subtleties) and instead give the work to someone with key industry experience. | Rather than sacrifice a chunk of your day researching thousands of loans and lenders (and still potentially missing out on key subtleties), why not let someone with industry experience handle the work? } { Just as you would contact a plumber for a leaking pipe or a hairdresser to replenish damaged hair, a mortgage broker is an excellent choice for all your home loan needs. | The same way you would contact a plumber to fix a leaking pipe or a hairdresser to work on damaged hair, contacting a mortgage broker is an ideal option for your home loan needs. | A mortgage broker is a great choice for your home loan requirements, just as a plumber is for fixing a leaking pipe and a hairdresser for dealing with damaged hair. | Just like you’d acquire the services of a hairdresser to replenish damaged hair or a plumber for leaking pipes, a mortgage broker is an excellent option for any of your home loan needs. | For home loan requirements, a mortgage broker is the best ways to go, just as a hairdresser is for replenishing damaged hair and a plumber for fixing leaking pipes. }

{ Get in touch with the Mortgage Saving Experts in LOCATIONXXX. | Contact the Mortgage Saving Experts in LOCATIONXXX. | Reach out to the Mortgage Saving Experts in LOCATIONXXX. | Get in contact with the Mortgage Saving Experts in LOCATIONXXX. | Connect with the Mortgage Saving Experts in LOCATIONXXX. } { You can reach them by dialling 01273 738 072 today for a friendly chat. | You can do so by calling us on 01273 738 072 for a friendly conversation. | You can do this by dialling 01273 738 072 for a friendly chat. | For a brief and informal chat, call us now on 01273 738 072. | You can reach us by dialling 01273 738 072 today for a friendly chat. }

About Mortgage Saving Experts

{ Mortgages and insurance are not as complicated as they might first seem. | Mortgages and insurance might seem really complicated at first, but they’re not. | Mortgages and insurance aren’t as difficult as they first appear. | Mortgages and insurance are not as complex as they seem at first. | Contrary to how they might seem initially, mortgages and insurance are not so difficult. } { That’s why finding honest advisers with invaluable experience and knowledge is so important. | This is why it’s very important to find honest advisers, who are knowledgeable and experienced. | For this reason, it’s necessary to find an honest and knowledgeable adviser, with ample experience. | Finding an adviser who is reliable, knowledgeable and has significant experience is very important for this reason. | This is the reason you need to find a widely experienced, knowledgeable and honest adviser. } { Our Mortgage Saving Experts will make your journey as seamless and transparent as possible. | Our mortgage savings experts will make your task as easy and straightforward as possible. | Our mortgage savings experts will ease the process for you and make it as simple as possible. | Your entire journey can be made stress-free and simple by our mortgage savings experts. | Making the process as straightforward and seamless as it can be is something our mortgage experts will do for you. } { After all, why make things more difficult than they need to be? | After all, why make everything more stressful than it ought to be? | Why make things harder than necessary, after all? | Besides, why complicate things more than necessary? | Why complicate things more than necessary, after all? } { Let us simplify everything for you and ensure we get the best deal possible. | Let us make things easy for you and make sure we find you the most suitable deal. | Allow us to ease the entire process and obtain the best deals available for you. | Let us make everything easy for you and ensure you get the best possible deal. | Allow us to secure the best deal possible for you and make everything straightforward. }

{ Mortgage Saving Experts provide an honest and transparent service that will leave our customers thinking that mortgages and insurance aren’t as daunting as they may seem. | Mortgage Saving Experts provide our clients with honest and transparent services that leave you feeling mortgages and insurance are less complicated than they first appear. | You’ll be left thinking that mortgages and insurance are not as difficult as they appear, because of the reliable and transparent service Mortgage Saving Experts provide our customers. | With the honest and transparent services customers receive at Mortgage Saving Experts, they will come to realise that mortgages and insurance are not as challenging as they seem. | Mortgage Saving Experts offer honest and transparent services to our customers, making them feel that mortgages and insurance are not as problematic as they first appear. } { At Mortgage Saving Experts, we treat each mortgage and insurance application as if it were our own. | Here at Mortgage Saving Experts, we treat all mortgage and insurance applications as our own. | All mortgage and insurance applications are handled like they’re our own at Mortgage Savings Experts. | At Mortgage Saving Experts, we handle every single mortgage and insurance application like they belong to us. | All the mortgage and insurance applications we take care of at Mortgage Saving Experts are treated as if we own them. } { This is what we’re all about. | This is what we do. | This is what we’re primarily concerned with. | We’re all about this. | These are the things we’re about. } { Mortgage Saving Experts are here, no matter what the circumstances, whether you’re a landlord, first time buyer, moving on to a new chapter or just re-mortgaging. | No matter the circumstances – whether this is your first time buying, you’re a landlord, moving onto a new chapter or even re-mortgaging, Mortgage Saving Experts are here to help. | At Mortgage Saving Experts, our services are available regardless of circumstances, whether you’re a landlord, a first-time buyer, moving onto a new chapter or simply re-mortgaging. | It doesn’t matter what the situation is – whether you’re a first-time buyer, a landlord, re-mortgaging or moving on to a new phase altogether – Mortgage Saving Experts are here to help. | Mortgage Saving Experts are available whether you’re a first-time buyer, a landlord, moving on to a new phase or just re-mortgaging. } { We’re here to help! | We are here to assist! | We are here to provide assistance! | Providing help is why we’re here! | Assisting you is the reason we’re here! } { In essence | Fundamentally | Approximately | Basically | Essentially } { “Search 1000s of mortgage deals by taking 15 minutes to speak to 1 adviser.” | “Search up to a thousand mortgage deals by talking to an adviser for roughly 15 minutes.” | “Find out about 1000s of mortgage deals by putting 15 minutes aside to talk to 1 adviser.” | “Get information about 1000s of mortgage deals by taking 15 minutes to speak to 1 adviser.” | “Take 15 minutes to talk to 1 adviser and find out about 1000s of mortgage deals.” }

Our Team of Brighton Mortgage Experts

{ Because we’re regulated by the Financial Conduct Authority (FCA), we strive to get you the best possible deal on the market. | As we are bound by regulations of the Financial Conduct Authority (FCA), we must ensure we get you the best available deal on the market. | We make it our duty to get you the best deal the market has to offer, as we are regulated by the Financial Conduct Authority. | Due to regulations by the Financial Conduct Authority (FCA), we must do all we can to get you the most suitable deal on the market. | We make sure we help you get the best available deal the market can offer, as we are regulated by the Financial Conduct Authority (FCA). } { We must justify to you and our regulators why we recommend the mortgages we do, so you know exactly why you have the mortgage you have. | We need to provide justification to our customers and regulators for recommending the mortgages we do, so you understand just why you have that particular mortgage. | You’ll get to understand why you received the mortgage you did, because we have to justify the recommendations we make to both you and our regulators. | We are required to justify our reasons for making the mortgage recommendations we do to both you and our regulators, so you can understand why you have the mortgage you have. | We must justify to our customers and regulators why we make the mortgage recommendations we do, so you know just why you have that mortgage. }

Down to Earth Mortgage

{ We are an honest, passionate, enthusiastic and very experienced team of mortgage and insurance experts. | We are an honest, enthusiastic and passionate team of mortgage insurance experts, with years of industry experience. | We are a team of experienced mortgage insurance experts, driven by honesty, passion and enthusiasm. | We are an honest team of mortgage insurance experts, who are enthusiastic, passionate and widely experienced. | Our team of mortgage insurance experts is made up of honest, passionate, enthusiastic and widely experienced individuals. }

{ Our mortgage and insurance experts pride themselves on listening to what your current and future objectives are. | Our mortgage and insurance experts are particularly good at listening to your current and future goals. | Our mortgage insurance experts take pride in listening to the current and future objectives our customers have. | Our mortgage and insurance experts will pay attention to you and understand all your current and future objectives. | Your current and future goals will be identified by our mortgage insurance experts after talking with you. } { We then work closely with you to achieve those goals. | We will then work together with you to reach these goals. | To achieve these objectives, we will then work hand in hand with you. | We will make these goals happen by working meticulously alongside you. | These goals will be achieved when we work with you intently. }

Why chose Mortgage Saving Experts?

{ When you take out a mortgage, you’ll be subject to an initial rate for the first few years. | After taking out a mortgage, you’ll get an initial rate for the first couple of years. | For the first few years after taking out a mortgage, you’ll be subject to an initial rate. | You’ll get an initial rate for the first few years after taking out a mortgage. | For the first couple of years, you’re allowed an initial rate after taking out a mortgage. } { After this initial rate finishes, the rate increases to the lender’s variable rate. | At the end of this initial rate, this returns to the lender’s variable rate. | The lender’s variable rate is implemented after the initial rate is complete. | After the initial rate period, the rate is then raised to the lender’s variable rate. | The rate is raised to the lender’s variable rate after the initial rate ends. } { Three months before this rate is up for renewal, our team will contact you again to put a new deal in place before your rate and monthly payments increase. | Three months before you’re due to renew, our team will reach out to secure a new deal before your monthly payments and rate increase. | Our team will contact you three months prior to the date of renewal to strike a new deal, before both your rate and monthly payment are raised. | You will be contacted by our team approximately three months prior to the renewal time to agree a new deal, before the monthly payment and rate are increased. | Before your monthly payment and rate are increased, our team will reach contact you to arrange a new deal roughly three months prior to the date of renewal. } { Other benefits of working with us include: | Other advantages of working with us are: | Included below are the plus points of working with us: | Here are some of the other advantages you’ll enjoy if you work with us: | Some other reasons for which it’s beneficial to work with us include: }

  • { You’ll get a better deal than the bank variable rate and subsequently save money. | The deal you’ll get is better than the bank variable rate, which in turn saves you money. | You can save extra cash, because you’ll get a preferable deal to the bank variable rate. | You’ll save some money, as the deal you get is better than the bank variable rate. | With a deal better than the bank variable rate, you’ll subsequently save money. }
  • { You don’t have to remember when your deal finishes, as we will do this for you. | You don’t have to keep track of the timeline, as we will look after this for you. | You won’t have to remember when the deal is due to end, as we will do this for you. | We will help you keep abreast of the expiry dates for deals, so you won’t have to worry. | We can provide updates relating to the end of your deal, so you need not worry. }
  • { You can sit back and relax, while we do all the hard work for you. | You can take a breather, while we do the bulk of the work. | You can take time to relax, while we handle the stress for you. | We can take care of the hard work for you while you relax. | While we deal with the stress on your behalf, you can sit back and ease your mind. }
  • { We know our stuff; you’ll always receive pertinent advice from a qualified mortgage expert. | We are good at what we do, so you’ll always be advised by professional mortgage experts. | We know our business, so you’ll only be advised by qualified mortgage experts. | This is our area of expertise; you’ll always receive advice from a qualified mortgage expert. | We know our onions, so you’ll only ever be advised by a qualified mortgage expert. }
  • { We compare, advise and arrange the best mortgage for you from thousands of available deals. | We undertake comparisons and then advise and arrange the best mortgage for you, choosing from thousands of deals. | Comparing, advising and setting up the best possible mortgage deal from amongst the many available is what we do. | We compare thousands of deals, so can advise you accordingly and arrange the very best. | To arrange the best deal for you, we compare and dispense advice with regards thousands of mortgage deals. }
  • { You’ll receive expert advice and support throughout the entire mortgage process. | You’ll be provided expert advice and support right through the mortgage process. | For the entire mortgage process, you will be expertly advised and supported. | Expert advice and support will be available to you through the entire mortgage process. | You’ll be supported and expertly advised throughout the whole mortgage process. }

Our Approach to Mortgage Advice

{ We offer a personalised service that takes into consideration your unique needs. | The services we offer are personalised and take into account your unique needs. | We provide personalised services and pay attention to all your specific needs. | We make available personalised services and put into consideration all your unique needs. | Your individual needs will be duly considered, as we provide fully personalised services. } { Our approach to mortgage advice involves three simple steps: | We approach mortgage advice using three basic steps: | The approach we take to mortgage advice involves three simple steps: | Three simple steps are taken in our approach to mortgage advice: | We take three basic steps in our approach to mortgage advice: }

  1. Let’s have an Initial Chat, so we can get to know You and What Your Requirements Are
  2. We Search the Entire Market to Find the Best Deal for You
  3. We’ll Present you with the Cheapest and best Deals Available for Both Mortgages and Insurance Cover

How Mortgage Saving Expert Brokers Can Help you:

{ What makes our services superior to those of other mortgage brokers in LOCATIONXXX includes: | Our services are more remarkable than those of other mortgage brokers in LOCATIONXXX because: | What differentiates our services from those of other mortgage brokers in LOCATIONXXX includes: | The things that make our services the best amongst mortgage brokers in LOCATIONXXX include: | The reasons our services are better than those of other mortgage services in LOCATIONXXX include: }

  • { Understand your needs and circumstances via fact-finding. | Find out what your needs and circumstances are through fact-finding. | Get to determine your situation and requirements by fact-finding. | Learn about your situation and needs via fact-finding. | Use fact-finding to properly understand your individual needs. }
  • { Explain the costs involved with buying and selling. | Point out the costs that come with buying and selling. | Clarify the costs related to buying and selling. | Explain what costs buying and selling involve. | Spell out the costs buying and selling involves. }
  • { Request relevant documents to assist with the application. | Ask for related documents to help with the application. | Request applicable documents to aid the application. | Ask for applicable documents necessary for the application. | Request all documents related to the application. }
  • { Recommend and explain the prospective mortgage. | Provide explanations and recommendations for the prospective mortgage. | Recommend and explain all about the prospective mortgage. | Make relevant suggestions and provide explanations about the prospective mortgage. | Propose and explain the likely mortgage. }
  • { Get answers to any questions you might have. | Provide answers to your questions. | Respond to any questions you might have. | Reply to any questions you have. | Proffer replies to any questions you might have. }
  • { Obtain an agreement in principle. | Get an agreement in principle. | An agreement in principle should be obtained. | An agreement in principle will be put in place. | Collect an agreement in principle. }
  • { Submit your full mortgage application. | Send in your entire mortgage application. | Get your whole mortgage application submitted. | Have your full mortgage application submitted. | Have your entire mortgage application sent in. }
  • { Liaise with your estate agent, mortgage lender and solicitor to answer any question through to completion. | Work with your estate agent, solicitor and mortgage lender to answer any questions comprehensively. | Communicate with your solicitor, mortgage lender and estate agent to respond to any questions through to completion. | Answer any questions and work together with your mortgage lender, solicitor and estate agent until the final stages. | We will collaborate with your estate agent, solicitor and mortgage lender and reply to any questions through to completion. }

For a first-hand experience of how amazing our services are, give us a call today

Mortgage Types We Provide Expert Advice On

{ We offer expert advice on a wide variety of mortgage products. | We dispense expert advice on a wide range of mortgage products. | We advise expertly on a vast selection of mortgage products. | We provide professional advice on a broad range of mortgage products. | We advise our clients expertly on a vast selection of mortgage products. } { By working with our team, you’ll have no trouble finding the perfect mortgage product to match your needs. | You won’t have any difficulty finding the right mortgage products to suit your needs when working with us. | Working together with us, finding the most suitable mortgage product to suit your needs won’t be difficult at all. | In collaboration with our team, you won’t have any trouble finding the best mortgage products to match your specific requirements. | In choosing to work with our team, finding the ideal mortgage product to meet your needs will be relatively easy. } { Some of the most commonly requested mortgage types we help with include: | The most popular mortgage types we’re requested to handle include: | Some of the most frequently requested types of mortgage we assist with include: | Mortgage types that we’re frequently asked to handle include: | Amongst the mortgage types we’re commonly asked to handle are: }

First time buyers

{ First Time Buyers are classed by most mortgage lenders as people who have either: | Most mortgage lenders Categorise First Time Buyers as people who have either: | Many mortgage brokers consider First Time Buyers people who have either: | First Time Buyers are classified by the majority of mortgage lenders as those who have either: | Most mortgage lenders put people in the First Time Buyers category if they have either: }

  1. Never owned a property or
  2. People who have owned a property in the past, but not owned one for six months or more.

{ Different lenders have different ideas and rules regarding this. | Every lender has different rules and ideas about this. | For each lender, the rules and ideas about this differ. | The ideas and rules differ from lender to lender. | The rules and ideas on this are different across various lenders. } { Being a First Time Buyer is not generally considered to be a problem. | Being a First Time Buyer is usually not an issue. | Normally, being a First Time Buyer is no issue. | Typically, there are no problems with being a First Time Buyer. | There usually are no issues in being a First Time Buyer. } { To qualify for stamp duty relief as First Time Buyers, you must have never owned a property before, anywhere in the world. | In order to qualify for stamp duty relief, it’s necessary for First time Buyers to have never been property owners before; this applies anywhere in the world. | First Time Buyers must not have owned property anywhere in the world before to be eligible for stamp duty relief for stamp duty purposes. | To be eligible for stamp duty relief, First Time Buyers are required to never have been owners of property before. This is applicable worldwide for stamp duty purposes. | To qualify for stamp duty relief, First Time Buyers must have never been property owners in any location in the world previously. }

{ Mortgages can seem a daunting process, but they do not have to be. | The mortgaging process might appear to be challenging, but this isn’t necessarily so. | While mortgages may look like a tedious process, they don’t have to be. | Mortgages may appear to be a rather difficult process, but they really don’t have to be. | Mortgage processes may look tough to negotiate, but they really don’t need to be. } { Buying your first home is one of the most exciting things ever, so if you find a reasonably priced, reputable broker to manage the process for you, do hire their services. | It’s rather exciting to be buying your first home, so if you find a reputable broker to get the job done for you at a fair price, then do use one. | The purchase of your first home can be filled with excitement, so if you discover a well-respected broker to manage the process for a reasonable price, then use one. | The prospect of buying your first home comes with a lot of excitement, so if you manage to find a competent broker who can oversee the process at a reasonable price, then go right ahead. | Buying your first home can be exciting, so if you come across a suitable broker who can handle the process for you at a fair price, do take advantage of their expertise. } { The reason you should use one is quite apparent. | The reason you should use one is fairly obvious. | It is abundantly clear why you should use one. | Why you should use one is pretty obvious. | The purpose of using one is straightforward enough. } { After all, if your car broke down and you knew nothing about cars, you wouldn’t try to fix it yourself. Instead, you would take it to a mechanic. | After all, if you don’t know a thing about cars and yours breaks down, you would rather call a mechanic than fix it yourself. | Besides, if your car breaks down and you have no knowledge of cars, you wouldn’t attempt to fix it yourself; you would use the services of a mechanic. | It stands to reason that you would contact a mechanic if your car became faulty – especially if you knew little or nothing about cars. | If you have no knowledge about cars and yours develops a fault, you would call a mechanic rather than attempt to fix it yourself. } { It’s the same with mortgages. | The same applies to mortgages. | It isn’t any different with mortgages. | With mortgages, it is exactly the same. | With mortgages, the same principle applies. } { Mortgage brokers can save you time, effort and money, so why not use one? | Mortgage brokers can help you save money, time and effort, so why don’t you use one? | You can cut down on cost, effort and time with mortgage brokers, so why not use one? | You can save on time, effort and even money with mortgage brokers, so you should use one. | With mortgage brokers, you can cut down on money, effort and time, so you should use one. } { The initial consultation is free of charge. | The initial consultation comes at no cost at all. | There are no charges for the initial consultation. | The initial consultation will cost you nothing. | You won’t have to pay for the initial consultation.}

Buying a home

{ If you’re considering a home purchase in the near future (or even within a few years, you should certainly brush up on your mortgage knowledge. | If you’re thinking of a home purchase any time soon – or even within a couple of years – you should familiarise yourself with everything involved with mortgages. | If you’re considering buying a home in the near future or further down the line, you should get to know mortgages a lot better in the meantime. | You should brush up your knowledge of mortgages if a home purchase is a viable option for you any time soon (or a few years down the line). | You should get to know more about mortgages if you’re thinking of buying a home in the near future or a few years to come. } { Learn what to do before applying for a mortgage; what to watch for during the process; and how to use a mortgage after you’ve bought your home. | Find out what to do before applying for a mortgage; during the application process; and how to use it accordingly after purchasing your home. | Get to know what to do before your mortgage application, during the application process itself and the way in which to use it after buying the property. | Learn what to do when applying, within the application process and even how to use a mortgage after buying your home. | Study what you should do before the application, during the process of application, and how to utilise the mortgage after buying your property. } { If you prefer otherwise, then instead speak to an adviser who will guide you through it. | If you can’t deal with all of that, talk to an adviser who will provide guidance accordingly. | If you would rather avoid any stress, speak to an adviser, who will guide you accordingly. | If you would rather not take this approach, then instead contact an adviser, who will be able to walk you through the process. | If you’d prefer a different approach, then speak to an adviser who can guide you through it. }

{ Your credit is crucial. | Your credit is important. | Your credit is vital. | Your credit is a necessity. | Your credit is of great importance. }

{ A mortgage is not to be taken lightly. | A mortgage is a serious affair. | A mortgage is a major issue. | A mortgage is of major importance. | A mortgage is serious issue. } { The banks risk a lot of money and have been increasingly cautious since the subprime mortgage crisis in 2008. | Banks put up a lot of money at their own risk. So much so, they’ve been very careful since the subprime mortgage crisis of 2008. | Banks risk a large amount of money and have been steadily more careful since the subprime mortgage crisis in 2008. | Since the subprime mortgage crisis in 2008, banks have trodden more carefully in terms of risking money up front. | A lot of money has been risked by banks over the years; notably, they have been more and more cautious since the subprime mortgage crisis of 2008. } { To qualify for a mortgage, good credit is helpful, but not essential. | Good credit helps to qualify for a mortgage, but it isn’t a necessity. | Qualifying for a mortgage is boosted by good credit, but it isn’t compulsory. | To be eligible for a mortgage, good credit is useful but not absolutely essential. | For mortgage eligibility, good credit helps, but isn’t vital. } { We can also guide you with regards how much you can afford to pay for your new home and what should be your price ceiling, based on your current situation. | We can also provide guidance about the amount you can afford to pay for your new home and what should be your maximum offer, based on your current circumstances. | Based on your present situation, we can also be your guide when it comes to how much you can afford to pay for your new home and what your price ceiling should be. | We can also offer guidance regarding how much you can afford to pay for your new home and how to set your limit, depending on your ongoing situation. | Depending on your present circumstances, we can be your guide on how much you can afford to pay for your new home and help set your cost limit. } { Not only will we help you buy your dream home, we’ll also help you finance it with the lowest cost and most convenient mortgage deal available. | We won’t just facilitate the purchase your dream home, we will also help you fund it with the lowest cost and most favourable mortgage deal on offer. | Helping you buy your dream home is not all we do; we will also help you finance it with the lowest cost and most beneficial mortgage deal available. | In addition to assisting you with the purchase of your dream home, we will also help with financing at minimum cost and the most agreeable mortgage available. | We will help you with funding, the lowest cost and most suitable deal on offer, in addition to helping you buy your dream home. }

Re-mortgage your home

{ Simply put, all you’re doing with this is changing from one lender to another to get a better rate or cheaper deal. | In essence, the only thing you’re doing here is swapping one lender for another to get a cheaper deal or better rate. | Basically, what you’re doing here is changing lenders to get a more suitable rate or cheaper deal. | Effectively, all you’d be doing with this is changing to a different lender to find a better or more affordable deal. | In short, this means you’ll switch from one lender to another to get a more affordable rate or cheaper deal. } { The two do not necessarily go hand in hand. | The two don’t automatically go hand in hand. | They don’t necessarily have to be paired together. | They don’t always sit well together. | The two of them don’t have to go hand in hand. } { Let me explain. | Let me make it clearer. | Let me clarify this. | Let me simplify this for you. | I’ll explain this clearly. } { If you have a small mortgage, you’ll probably find it’s not worthwhile paying an arrangement fee to the lender just to go on a lower rate. | If your mortgage is a small one, you might find that it isn’t profitable paying an arrangement fee to a lender to secure a lower rate. | If your mortgage isn’t so big, you might consider it not worthwhile to pay an arrangement fee to a new lender for a low rate. | If you’ve got a small mortgage, paying the arrangement fee to a new lender to go on a lower rate might not seem practical to you. | It may seem unwise to pay an arrangement fee to another lender to get on a lower rate if you have a small mortgage. } { You might find it cheaper by going on a slightly higher rate and paying no arrangement fee to the lender at all. | You may find it’s more practical to go on a slightly higher rate, without paying arrangement fees to any lender. | It may seem cheaper to be on a slightly higher rate than pay an arrangement fee to another lender. | Being on a rate that’s a bit higher may seem more agreeable to you than paying an arrangement fee to any lender. | You may realise that it’s less expensive to go on a slightly higher rate than paying any lender an arrangement fee. } { It’s always best to speak with someone before deciding which deal to go for, as you don’t want to be caught out by being tied to a more expensive deal overall, even if the rate is much lower. | It’s best to always talk to someone before agreeing any deal, because you don’t want one that’s more expensive overall, even though the rate might be significantly lower. | Asking for advice before making up your mind about the deal is important, so that you don’t end up with a more expensive deal on the whole, even at a lower rate. | Even with a lower rate, you could end up having a costlier deal in total, which is why it’s always prudent to talk to someone before you make any decisions. | Even if the rate is lower, you could find that you chose a more expensive deal when you add it all up, hence the need to speak to someone before deciding. } { Be careful. | Take extra caution. | Pay close attention. | Tread carefully. | Focus on any small print. }

{ One benefit of re-mortgaging is that you’ll not normally pay for any valuation or solicitors fees, although not everyone qualifies for this. | One advantage of re-mortgaging is that you won’t have to pay any valuation or solicitors fees. That said, not everyone is eligible for this exemption. | One upside to re-mortgaging is that your usually not required to pay for valuation or solicitors fees, although some people don’t qualify for this. | A notable benefit of re-mortgaging is the absence of solicitors or valuation fees, even though some people are not eligible for this. | The potential absence of valuation or solicitors fees is one of the plus points of re-mortgaging, even though not everyone qualifies for this. } { Any reasoning depends solely on your circumstances at the time of re-mortgaging. | This is because it is dependent on your circumstances alone at the time of re-mortgaging. | This is due to the fact that it is based solely on your disposition at the time of re-mortgaging. | This is because only your circumstances are considered at the time of re-mortgaging. | The reason is that it is based on your disposition alone at the time of re-mortgaging. } { So please check or ask your adviser. | So, please make enquiries with your adviser. | So, please check with your adviser. | So, do find out from your adviser. | So, please ask your adviser about it. }

{ A re-mortgage completed on time is a smart way to significantly reduce the cost of your mortgage related bills. | Performing a re-mortgage in time is a practical way to reduce your mortgage costs significantly. | A mortgage deal conducted at the right time is an effective way to cut the cost of your mortgage bills significantly. | A smart way to significantly minimise the cost of your mortgage bills is to undertake a re-mortgage on time. | A brilliant way to ensure you cut down on your mortgage bills is to re-mortgage on time. } { While a re-mortgage deal can be beneficial for some, it’s not the best move for everyone, as it all depends on your unique circumstances. | Depending on your specific needs, a re-mortgage deal might not be the best option, even though it does have its advantages. | Although it can be a good thing – depending on your individual needs – a re-mortgage deal might not be the most suitable choice. | Depending on your circumstances, it might not be the ideal move for you – even though a re-mortgage arrangement certainly has its benefits. | Even though a re-mortgage deal is accompanied by various benefits, it might not the best choice for you, depending on your unique circumstances. }

Reasons for remortgaging your property

  • { Based on your unique circumstances, such as… | Based on your individual circumstances, like… | Depending on your unique needs, like… | Depending on your individual circumstances, such as… | Based on your specific needs, such as… }
  • { Mortgage debt is relatively small. | Mortgage debt isn’t so big. | Mortgage debt isn’t considerable. | Mortgage debt is fairly minor. | Mortgage debt is considerably small. }
  • { Financial circumstances have changed. | There has been a change in financial circumstances. | The financial situation is no longer the same. | There have been significant changes in financial disposition. | The financial disposition is now different. }
  • { Significant early repayment charge. | Expensive early repayment charge. | Early repayment charge is on the high side. | Early repayment charge that’s costly. | Costly early repayment charge. }
  • { Home value dropped. | A drop in the value of your home. | Decrease in home value. | A reduction in home value. | Home value reduced. }
  • { You have credit problems. | You have credit issues. | You’re dealing with credit problems. | Existing credit problems. | You are having trouble with credit. }
  • { Already on a great rate. | Current rate is ideal. | Already on a suitable current rate. | Present rate is just fine. | Present rate is very agreeable. }
  • { We will advise you whether or not to pursue a re-mortgage. | We will dispense advice on the merits of pursuing a re-mortgage. | We will advise you whether to re-mortgage or not. | We will guide you when deciding to re-mortgage or not. | We will provide guidance to help you choose whether to re-mortgage. }

Buy to Let

{ ‘Buy to let’ properties are those you wish to purchase and then rent to tenants. | A ‘buy to let’ property is one you want to purchase in order to rent out to tenants. | A property bought with the purpose of renting to tenants is known as ‘buy to let’. | A property purchased in order to be rented to tenants is a ‘buy to let’. | A ‘buy to let’ property is one bought with a view to renting to others. } { You are not allowed to legally live in the property. | Legally, you aren’t allowed to live in the property. | According to the law, you cannot live in the property. | You aren’t allowed to live in the property by law. | Legally, you cannot live in the property. } { If you’re a First Time Buyer, you can purchase a buy to let property, but the number of lenders available is restricted. There are also extra checks made by the lender in these circumstances. | You can purchase a buy to let property as a First Time Buyer, but you’ll be restricted to the number of available lenders, while extra checks will be made by the lender in such situations. | The number of available lenders will be restricted if you’re a First Time Buyer, purchasing a buy to let property. Also, extra checks are made by the lender in cases like these. | If you’re purchasing a buy to let as a First Time Buyer, the number of lenders available will be restricted and there will be extra checks carried out by the lender in such cases. | If you’re a First Time Buyer, the number of available lenders will be restricted if you’re purchasing a buy to let, while extra checks would be carried out by the lender in such cases. }

  • { When purchasing a buy to let property, there are a few things you’ll need to know. | There are some things you might want to know when purchasing a buy to let property. | You may need to know certain things when purchasing a buy to let property. | There are a few things you may need to be aware of when purchasing a buy to let property. | When purchasing a buy to let property, you’d be required to know quite a few things. }
  • { The loan amount you can borrow is dependent on how much rental income you receive. | The amount of rental income you receive more or less affects how the loan amount you’re able to borrow. | The loan amount you can borrow is mostly based on the total rental income you receive. | The rental income you receive is a primary factor when determining the size of the loan you can borrow. | The loan amount you can borrow is largely dependent on the rental income you receive. }
  • { You’ll have to pay an extra 3% stamp duty on top of your normal stamp duty. | Other than your regular stamp duty, you will have to pay an extra 3% stamp duty on top. | You will have to pay 3% stamp in addition to your normal stamp duty. | You’ll be required to pay a 3% stamp duty after your normal stamp duty. | A payment in respect of an extra 3% stamp duty will be required after your normal stamp duty. }
  • { If the property is below the value at which stamp duty becomes liable, you will still have to pay the extra 3% of the purchase price. | You’ll still have to pay the extra 3% of the purchase price, even if the property isn’t valued as it should be for the stamp duty to be liable. | Even if the value of the property isn’t enough to be liable for stamp duty, you are still required to pay an extra 3% of the purchase price. | An extra 3% of the purchase price will still be required of you, even if the value of the property isn’t high enough for the stamp duty to be liable. | If the value of the property isn’t valued at the amount for which stamp duty becomes liable, you are still required to pay the extra 3% of purchase cost. }
  • { TIP: If you’re purchasing a second property, ask your conveyancer/solicitor about the figure you’ll have to pay. | TIP: If you want to buy a second property, find out the amount you’ll be require pay from your conveyancer/solicitor. | TIP: Ask your solicitor/conveyancer to work out how much you’ll have to pay if you’re buying a second property. | TIP: If you’re looking to buy a second property, you should ask your solicitor/conveyancer to work out the amount you have to pay. | TIP: You should ask your solicitor/conveyancer to figure out how much you must pay when considering buying a second property. }
  • { A good adviser will know the exact questions to pose and will find a mortgage that fits your exact requirements. | A reputable adviser will know just what questions to ask in order to figure out the best mortgage for your specific needs. | A knowledgeable adviser will help find the right mortgage to suit your requirements by asking you the relevant questions. | To find the best mortgage to match your requirements, a good adviser will know which questions you need to answer. | To help determine the most suitable mortgage to meet your needs, an expert mortgage adviser will know the specific questions to which you will need to provide answers. }
  • { Get in touch with our advisers to see if you’re eligible. | Contact our advisers to find out whether you’re eligible. | To see if you’re eligible, reach out now to our advisers. | To find out if you qualify, contact our advisers today. | Get in touch with our advisers to find out if you qualify. }

How Much Do Mortgage Brokers Charge?

{ Most mortgage brokers get paid commission from lenders, which will be a percentage of the mortgage loan you receive. | Many mortgage brokers are paid commission from lenders, which represents a percentage of your mortgage loan. | Commission is usually paid to mortgage brokers by lenders; this will be a percentage of the mortgage loan you secure. | A percentage of your mortgage loan is paid as commission to many mortgage brokers by lenders. | The majority of mortgage brokers receive commission from lenders, which is a percentage of the mortgage loan you secure. } { This is usually around 0.33%, although this does vary massively, depending on what mortgage you require. For example, this would take into account buy to let or residential mortgages and whether you’ve had any credit problems in the recent past. | This is often about 0.33%, even though it largely varies, based on your mortgage needs. For example, a residential mortgage or buy to let and if you’ve had any credit issues recently. | While the figure varies widely, it is generally set at around 0.33%, depending on the type of mortgage you require. For example, this could be a residential mortgage or buy to let and would take into account whether you’ve had any credit troubles recently. | Even though the figure isn’t set in stone, it is usually about 0.33%, based on the type of mortgage you require – for instance, a residential mortgage or buy to let. Also, any recent credit issues you may have had would be taken into consideration. | Depending on the type of mortgage you need – whether buy to let or residential mortgage for instance – and whether you’ve had any credit problems of late. The figure is often set at around 0.33%, although this varies widely. } { Most independent brokers charge a flat fee, which is typically around £500. | Many independent brokers charge flat fees, usually around £500. | Many independent brokers usually charge about £500 as a flat fee. | A flat fee of roughly £500 is usually charged by the majority of independent brokers. | The majority of independent brokers typically charge a flat fee of around £500. } { Be sure to ask brokers how you can pay them. | Remember to ask brokers how they want to be paid. | Be sure to find out from brokers how you pay them. | Don’t forget to find out how brokers collect payment. | Be sure to enquire about how to make payments to brokers. } { They must be completely transparent, telling you how much is being charged and what fee structure they use. | The should be totally transparent, disclosing the amount to be charged, as well as their available fee structure. | They should be honest and up front, telling you the amount owed and the fee structure they have in place. | They must be completely clear, letting you know the exact figure and fee structure in place. | They need to be totally clear, informing you of the fee structure they use and just how much you are due to be charged. }

{ Our fee structure is based upon charging the client £695; any commission which is received from the mortgage lender is deducted from that figure | We have a fee structure based on charging our clients £695. From that figure, we then deduct any commission received from the mortgage lender | For our fee structure, we charge clients £695; any commission we receive from mortgage lenders is subtracted from that figure | The fee structure we adopt is based upon charging the client £695 and deducting from that figure any commission paid by the mortgage lender. | We charge the client £695 as part of our fee structure; if the mortgage lender pays any commission, it is then deducted from that figure. } { If the commission we receive is less than £695, we then ask the client to make up the difference between what we have been paid in commission up to £695. | If we receive a commission below the value of £695, we ask the client to pay the difference between the received commission and £695. | If the commission paid to us falls short of £695, our client will then be asked to make up the difference between the commission we receive and the figure of £695. | If we are paid a commission less than £695, the client is then asked to pay the necessary difference to top it up to £695. | Our client will be asked to pay the difference between the commission we are paid and £695, if the amount of commission is less than £695. } { For example, if we received a commission of £495, we would then ask you for a fee of £200 which is payable on production of your mortgage offer, so we are only paid on results. | For instance, if the commission we receive is £495, then we would require you to pay £200 to make up the difference. This can be paid when your mortgage offer has been produced, meaning we only get paid on results. | If for example, we are paid a commission of £495, we would ask you to pay a fee of £200, payable on production of your mortgage offer. Please note, we only take payments on a results-based arrangement. | If we receive a mortgage commission of £495, our client would be required to pay £200, which would be paid after the mortgage offer has been forthcoming, meaning we only get paid according to results. | If we receive a mortgage commission of £495 for example, we would ask our clients to pay us the difference of £200 after the mortgage offer is produced, so we are only paid on results. }

How Much Can I Borrow?

{ This depends on several factors, such as the deposit value and how much you earn, how many children you have, as well as what debts (if any) you have in the background. | This is based on a number of factors, such as the amount you deposit, your income, the number of children you have, and any current debts you might have. | Many factors affect this, such as how much you earn, the amount you deposit, the number of children you have, as well as any debts you might have in the background. | This takes into account many factors, such as how much you deposit, the amount you earn, the number of children you have and what debts (if any) you have in the background. | A lot of factors influence this, like the number of children you have, the deposit amount, your income and any debts you might have in the background. } { How much a lender is willing to lend is based upon a full affordability assessment, whereby they will look to understand your income, as well as any loan or credit card commitments and regular essential household expenditure. | The amount a lender would be willing to lend is dependent on a comprehensive affordability assessment that helps them understand your income, as well as any loan or credit card commitments you might have and everyday household expenses. | A total affordability assessment is required to determine how much a lender will agree to lend; this takes into account your income, any loan or credit card commitments you have, as well as regular household expenses. | The amount a lender will agree to lend is determined by a total affordability assessment, which will provide insight regarding your income, regular household expenditures and any credit card or loan commitments you might have. | What determines the amount a lender will agree to lend is a full affordability assessment. This will help them understand your loan or credit commitments, as well as income and everyday household expenses. } { In addition, they also perform a credit check to make sure your credit rating is suitable for mortgage purposes. | Other than this, they will also carry out a credit check to ensure you have an agreeable credit rating for mortgage purposes. | For mortgage purposes, they will also perform a credit check to be sure you have an adequate credit rating. | In addition, they will perform a credit check to ensure your credit rating is sufficient for the purpose of a mortgage. | A credit check will be undertaken for mortgage purposes to confirm you have sufficient credit rating. }

{ For a more accurate idea of how much you can borrow, get a decision in principle before you apply for a mortgage in full. | To get an idea of the amount you can loan, get a decision in principle before applying for a mortgage in full. | Prior to applying for a mortgage in full, obtain a decision in principle to form a clear picture with regards the amount you can borrow. | To be sure of how much you can borrow, obtain a decision in principle, prior to completing a full application. | Get a decision in principle before you finish your mortgage application; this way, you can form a clearer idea with regards the amount you can borrow. } { Arrange an appointment with one of our qualified mortgage experts today. | Arrange to see one of our qualified mortgage experts today. | Make plans to meet with one of our experienced mortgage experts now. | Make plans today for an appointment with one of our capable mortgage experts. | Arrange for an appointment with one of our certified mortgage experts today. } { We can at least give you an idea, without having to do any credit checks at the initial stage. | We can provide an initial estimate, without the need for any credit checks to begin with. | At the initial stage, we can give you an estimate, without needing to perform any credit checks. | Without the need for credit checks, we can at least provide an initial estimate. | Initially, we can at least give you an idea, without needing to conduct any credit checks. }

The Latest Best Mortgage Rates

{ Whether you’re looking to re-mortgage, move home, find a first-time buyer mortgage or a buy-to-let, we can help. | Whether you want a re-mortgage, move home, find a mortgage for a first-time buyer or purchase a buy to let, we can help. | We can help, whether you’re seeking to re-mortgage, purchase a buy to let, move home or find a mortgage for a first-time buyer. | We can provide help in many different situations; for instance, re-mortgaging, first time purchase, moving home or buy to lets. | Our services are available whether you want to re-mortgage, move home, purchase a buy to let or procure a first-time buyer mortgage. } { We compare thousands of the latest mortgage deals to help you find exactly what you need. | We compare recent mortgage deals in large quantities to help you find just what you want. | We make comparisons on thousands of recent mortgage deals to help you find just what you’re looking for. | We compare thousands of the latest mortgage deals, so you can find the one you’re after. | We make comparisons between thousands of recent mortgage deals to help you find the one you want. }

Request a free quote from Mortgage Saving Experts, your LOCATIONXXX Expert Mortgage Broker

What Our clients say About us

{ Our list of happy clients in LOCATIONXXX is long and diverse. | The list of happy clients in LOCATIONXXX is a lengthy and diverse one. | Our list of satisfied clients in LOCATIONXXX is lengthy and diversified. | In LOCATIONXXX, we have long and diverse list of satisfied clients. | We have a list of clients in LOCATIONXXX that is both lengthy and diverse. } { If you doubt that we are the professionals most capable of finding you the best mortgage deal in LOCATIONXXX at the lowest price, check out what some of our customers have to say about their experience with us. | If you still have doubts about our ability to professionally provide the best deal in LOCATIONXXX at the cheapest price, see for yourself what some of our customers have said about their experience with us. | If you’re still not sure that we are the experts to get you the most suitable mortgage deal in LOCATIONXXX at the most affordable price, check out some of the things our clients have said about working with us. | If you aren’t convinced that we are the professionals to make the best possible mortgage deal in LOCATIONXXX at the lowest price, take a look at what some of our customers have said about their experience with us. | If you’re not yet persuaded that we are the experts who can get you the best mortgage deal in LOCATIONXXX at the cheapest cost, see what some of our customers have got to say about working with us. } { For a first-hand experience of just how amazing our services are, give us a call today. | For a personal experience to discover how effective our services are, contact us today. | Contact us today to get a first-hand experience of the excellent services we provide. | To get a first-hand experience of the great services we provide, call us today. | Reach out to us today for a personal experience of how effective our services are. }

The team are very welcoming and the new office is great. Stuart has recently placed a mortgage for a client of ours and the offer was out in no time at all. Highly recomended.
After searching the market for a new mortgage, I was referred to Barry and his team. Nothing was too much trouble finding me a fantastic rate saving me thousands over the course of my mortgage.Barry was always on hand no matter what time of day it was. Communication was second to none!Thanks for everything! I'll be back in 2 years for the remortgage!All the best for the future!
Andrew Trett
14:28 10 Apr 19
I was referred to Barry Webb for a first time buyer mortgage. Barry was really easy to speak to and explained everything well. The AIP was in place really quickly ready for putting an offer in. I wanted to make some changes to the mortgage further down the line and was all sorted quickly. Took the hassle and stress out of the part of the house buying process. Would definitely recommend!
Hayley Knight
11:27 08 Feb 19
Barry has always been a fantastic help with my mortgage needs and he's always got a great sense of humour, definitely not your average mortgage advisor! Top class.
Luca Sage
10:38 20 Nov 18
Barry and his team at Mortgage Savings Experts applied their experience and knowledge to find us exactly the deal we needed. Barry was able to provided us with all of the necessary details, walked us through the process and provided an excellent level of service. He was proactive in contacting us with the latest mortgage developments and keeping us right up-to-date, worthy of a five star rating. Many thanks.
Robert Ainge
10:42 15 Nov 18
We have been utilising Barry Webb as our mortgage advisor for over 10 years now and have found his services to be very professional and knowledgeable. Barry has always made timely contact with us, particularly when our existing lender agreement is about to expire and presenting us with new favourable rates and terms keeping us on track as we move forward. Easy and fun to deal with and happy to explain everything in layman's terms; we would highly recommend his services and will continue to avail upon his assistance in the future.Paul & Jo
Paul Barlow
14:40 06 Oct 18
I have used Barry several times over the years. He is very supportive in giving the lastedt information about the market and the best way remortgage. There have been times when remortgaging seemed impossible, with out Barry I wouldn't of been where I am today. I recommend using Barry as the mortgage is tailored to you rather than a bank or estate agent having a few options to offer.
Jon Roach
08:08 09 Aug 18
Friendly, fast and thorough. Barry made the process of buying our house so much less stressful. Always happy to go the extra mile, he worked with us every step of the way to ensure things went as smoothly as possible. Highly recommended.
Dan Garrett
17:56 01 Aug 18
Barry was a great help to us when arranging our life assurance. He was knowledgeable and extremely helpful. My working hours often Meant he had to contact us in the evening which he was happy to do. Highly recommended!
Sarah Ledwidge
13:18 31 Jul 18
I have been using Barry’s mortgage services for quite a few years, he has probably arranged around 5 + Mortgage’s for me.I don’t know how he does it but he always manages to find the best deal on the market which suits my needs.He is professional, very quick and just gets the job done with no messing around or trying to upsell other products.I have recommended him to many friends and colleagues and they are extremely happy with his services.I would highly recommend Barry to help you finding your perfect mortgage.CharlieBrighton
Charlie Kenyon
13:28 25 Jul 18
Excellent service from initial consultation to completion. Barry was able to find mortgage products that suited our needs and always took the time to provide clear explanations to our queries. I wouldn't hesitate to recommend his services.
Paul Drewitt
12:29 25 Jul 18
Professional and friendly service. I got an exhaustive answer to all the questions and everything was explained to me in a simple and clearly way. The whole procedure of all matters related to the mortgage was carried out in a quick and easy way, which I am very pleased with. Barry is a professional in his profession with a good sense of humor. Highly recommend 👍🏻
Monika Mroz
11:02 25 Jul 18
I have used Barry twice and both times the service has been first class. He explained things clearly and simply and did not use complicated jargon. Always did what’s best for me and a genuine nice bloke. Would 100 percent recommend and use again.
Buck CFC
09:02 15 Jul 18
Barry is a brilliant mortgage advisor. Very concercious of the needs of his clients. We have had the pleasure of using Barry's services for our mortgage, and have never been disappointed with the service he has provided. Always works hard to ensure we have a positive outcome and thoroughly investigates options to suit our financial requirements.Very professional and knowledgeable in his field, with a good sense of humour and down to earth nature. Barry is trustworthy and gives advice clearly, without the 'jargon'! Flexible in dealing with your questions and will contact you regularly to keep you informed and updated with important information.We have been very happy with the mortgage service we have received, and will hopefully continue to use Barry in the future. Jacqui and Danny
Jacqueline Gooden
10:56 14 Jul 18
I've used Barry's services twice now and will not forget how brilliant and amazing he is. I really thought I’d struggle to get a mortgage after my previous debt problems but he gave me peace of mind and ensured I got the best deal ever. He took all the stress and worry away from me. He is a mortgage God!! Not only is he factual, professional and efficient, he gives the best advice and I have complete trust in the information given. We've built a wonderful rapport over the last few years and I would not hesitate to recommend him to any of my friends or family. I wouldn't go anywhere else in the future. Barry is the answer to your best mortgage deal! Well worth the minimal fee he charges. He's utterly brilliant!
Just Ham
10:49 14 Jul 18
I've been using Barry at Mortgage Saving Experts to find me the best deal for my past two mortgages. His services have also helped me to save money on related insurances. Barry is very personable and professional in his manner and I would highly recommend.
Tatiana Bowskill
11:47 13 Jul 18
5 stars for 5 star service.I have used Barry for many years now and highly recommended him. He has been a constant help and willing to go that little bit further, that makes all the difference
Mark Macey
10:03 13 Jul 18
First class efficient service. Very helpful, informative and nothing is too much trouble!
Carol Harris
12:15 11 Jul 18
I very rarely write reviews, actually this is the first one ever I’ve done. However I can not recommend Mortgage Saving Experts highly enough... straight forward, easy to understand advice. Keep up the good work!!
Nick Daley
12:12 11 Jul 18
Barry provides an amazing service, goes really above and beyond to help you get the right mortgage. He understands the pressures of family life, it really feels like he cares about your future. He worked with us to get our first mortgage and has helped us renew and move house since. Have recommended him to many friends and will continue to do so.
Anna Allan
08:12 11 Jul 18
For many years and even more mortgages, MSE have provided a very prompt and efficient service of completing mortgages for me. As a property invester, I am always in the market for competitive mortgage products of various type with a quick turnaround, MSE's knowledge of the mortgage market place is second to none.
Gary Ottewell
07:03 11 Jul 18
Barry is trustworthy reliable and efficient in securing the best outcome for your mortgage needs. His experience make the process seamless transparent and easy to understand.
Karen Ainge
14:08 18 Jun 18

Latest Mortgage News

{ The more information you have at your disposal when seeking the best mortgage deal, the better the position you’ll be in. | The more information you have available when looking for the most suitable mortgage deal, the more beneficial this is for you. | Having more information at your disposal when looking for the most ideal mortgage deal places you in a more advantageous position. | The more information available to you when trying to secure the best mortgage deal, the more advantages you’ll enjoy. | The more information you have to hand in your search for the ideal mortgage arrangement, the greater advantage you’ll have. } { Below is the latest insightful mortgage news to help you get started on the right path. | To help you begin on the right path, find recent insightful mortgage news below. | Below can be found recent news on mortgages to provide the insight you need to get started. | The latest mortgage news below will provide the insight you need to properly get started. | To provide insight and help you get started, find recent news on mortgages below. }

Mortgage Regulatory Information

{ Most mortgages in the UK are provided by building societies, banks and specialised mortgage lenders. | The majority of mortgages in the UK are made available by banks, building societies and specialised mortgage lenders. | Banks, building societies and specialised mortgage lenders account for the bulk of mortgage providers in the UK. | Building societies, specialised mortgage lenders and banks provide the most mortgages across the UK. | In the UK, most mortgages are provided by building societies, specialised mortgage lenders and banks. } { All in all, there are 200 different financial institutions offering mortgages in Britain, although Lloyds Banking Group and Nationwide Building Society have the largest share of the market. | In total, there are roughly 200 financial institutions that provide mortgages in Britain, even though the biggest share of the market is owned by Lloyds Banking Group and Nationwide Building Society. | There is a total of 200 different financial institutions which offer mortgages in Britain, although Lloyds Banking Group and Nationwide Building Society owns the market’s largest share. | Although a big portion of the market share is owned by Lloyds Banking Group and Nationwide Building Society, all together there are 200 different financial institutions providing mortgages in Britain. | In Britain, there are around 200 different financial institutions that make mortgages available, even though Lloyds Banking Group and Nationwide Building Society has the biggest portion of the market share. }

{ Although banks and building societies have always been closely regulated in the UK, the former Financial Services Authority (now the FCA) implemented a regulatory scheme specifically for mortgages as a result of the Financial Services Act of 2000. | Even though UK banks and building societies have always been regulated closely, the FCA (formerly the Financial Services Authority) put a regulatory scheme in place for mortgages, because of the Financial Services Act 2000. | Due to the Financial Services Act 2000, a regulatory scheme specifically for mortgages was implemented by the former Financial Services Authority (now the FCA), even though close regulations have always been in place to guide banks and building societies in the UK. | Even with regulations in the UK that closely guide banks and building societies, a regulatory scheme was set up just for mortgages (as a result of the Financial Services Act 2000) by the FCA (the former Financial Services Authority). | In the UK, despite there being tight regulations that guide banks and building societies, a regulatory scheme was implemented by the FCA (formerly the Financial Services Authority) in response to the Financial Services Act 2000. }

{ The professional conduct of mortgage providers is regulated by the FCA. | Mortgage providers are tightly regulated by the FCA, in terms of their professional conduct. | The FCA monitors the professional conduct of mortgage providers. | The professional services of mortgage providers are monitored by the FCA. | The FCA regulates the professional behaviour of mortgage providers. } { There are strict rules regarding the use of unfair, misleading adverts and promotions, as well as checks to make sure the terms of any contract for financial services are fair for the consumer. | Strict rules are in place against using false or unfair adverts and promotions, in addition to checks to ensure the terms of contracts for financial services are fair for the consumer. | Strict rules exist that monitor the use of dishonest and misleading adverts and promotions, checking to ensure the terms of any contract for financial services are fair to the customer. | Tough rules are in place concerning checks that ensure customers are fairly treated in terms of contracts for financial services, as well as misleading and unfair adverts and promotions. | There are stern rules that serve as a guide with regards using unfair, deceitful promotions and adverts, as well as checks for financial service contracts for consumers. } { Regulations were originally set out in the rules for Mortgage Conduct of Business (MCOB), but these were overhauled as a result of the FCA Mortgage Market Review (MMR) in 2014. | Regulations were initially documented in the rules for Mortgage Conduct of Business (MCOB), but were overhauled because of the 2014 FCA Mortgage Market Review (MMR). | Regulations were formerly presented in the rules for Mortgage Conduct of Business (MCOB), although they were changed due to the FCA Mortgage Conduct of Business (MMR) of 2014. | As a result of the FCA Mortgage Market review of 2014, the initial regulations set out in the rules for Mortgage Conduct of Business were revamped. | The original regulations represented in the rules for Mortgage Conduct of Business (MCOB) were reconstructed due to the 2014 FCA Mortgage Market Review (MMR). }

{ With regards their financial conduct, deposit-taking firms in the UK come under the jurisdiction of FCA’s sister organisation, the Prudential Regulation Authority. | Regarding their financial conduct, organisations that take deposits in the UK fall under the FCA’s sister organisation’s jurisdiction, the Prudential Regulation Authority. | Deposit-taking organisations in the UK are under the jurisdiction of the Prudential Regulation Authority (a sister organisation to the FCA) for their financial conduct. | In terms of their financial conduct, organisations collecting deposits in the UK fall under the Prudential Regulation Authority, the FCA’s sister organisation. | The Prudential Regulation Authority (a sister organisation to the FCA) presides over deposit-taking organisations in the UK, with regards their financial conduct. } { They ensure firms have a high enough level of capital to offset their lending risks. | They make sure firms have a substantial level of capital to offset their lending risks. | They ensure firms have adequate capital levels to balance out their lending risks. | They make sure firms have capital large enough to cancel out their lending risks. | They ensure firms have a sizeable enough capital to balance out their lending risks. }

{ If you have a complaint about your mortgage provider, the first step is to take up the matter with them. | Taking up the matter with your mortgage provider is the first step to take if you have any complaints about them. | If there is something bothering you about your mortgage provider, talking to them about it is the first step to take. | The first step in tackling any issue you have with regards your mortgage provider is to take it up with them. | For lodging complaints about your mortgage provider, the first step is to take it up with them. } { If you feel it hasn’t been dealt with to your complete satisfaction, there is a complaints procedure which can be referred to the Financial Ombudsman Service. Some mortgages are not regulated by the Financial Conduct Authority such as moist Buy to Let mortgages and if you make a complaint about these you are unable to take these to the Financial Ombudsman Service | If you feel it hasn’t been handled properly, there is a procedure that can have your complaint referred to the Financial Ombudsman Service. Some mortgages are not regulated by the Financial Conduct Authority such as moist Buy to Let mortgages and if you make a complaint about these you are unable to take these to the Financial Ombudsman Service | If you don’t like how the issue has been dealt with, you can take your complaint to the Financial Ombudsman Service. Some mortgages are not regulated by the Financial Conduct Authority such as moist Buy to Let mortgages and if you make a complaint about these you are unable to take these to the Financial Ombudsman Service | If you think it hasn’t been sorted out satisfactorily, you can take the complaint to the Financial Ombudsman Service if necessary. Some mortgages are not regulated by the Financial Conduct Authority such as moist Buy to Let mortgages and if you make a complaint about these you are unable to take these to the Financial Ombudsman Service | You utilise a complaint procedure via the FCA if you don’t think it has been suitably dealt with. In turn, this can be referred to the Financial Ombudsman Service if deemed necessary. Some mortgages are not regulated by the Financial Conduct Authority such as moist Buy to Let mortgages and if you make a complaint about these you are unable to take these to the Financial Ombudsman Service }

What To Ask Your Brighton Mortgage Broker?

This is a logical follow-up question. Again, insist on a specific reply.

And once you’ve received answers to these questions, ask if the broker would be willing to put both claims in writing. That will indicate how seriously those claims should be taken.

If a problem arises during the loan application process, you’ll want your broker to respond quickly – hence this question.

Again, demand a specific answer – “Within three hours”, say, rather than “Quickly”.

The reason for this question is so you can discover whether the broker will closely guide you through what is a complicated and stressful process – or expect you to figure it out for yourself.

Organising finance and purchasing property can be complicated and stressful, so you want to know you’re in safe hands. That’s why, before you settle on a particular broker, you should challenge the broker with this question.

Don’t let the broker get away with vague statements like “Because I’m the best” or “Because I provide great service”. Use follow-up questions to demand detail. “What specific things make you better than other brokers? What, specifically, do you do to deliver great service?”

Another important question to ask. That’s because while most brokers focus on ‘plain vanilla’ clients, others might focus on, say, sophisticated investors or borrowers with credit problems.

Hypothetically; Broker A might have done 450 vanilla loans and 50 bad-credit loans, while Broker B might have done 50 vanilla loans and 250 bad-credit loans. So if you were a borrower with credit problems, you might be better off with Broker B.

Next, probe them about their customer service standards

A great way to utilise the knowledge and experience of a broker is to get them to work out the true cost of your home loan. Based on whether you’re paying Repayment or interest only, how much of a deposit you have, the length of your loan term and the rates payable your broker will be able to obtain a mortgage illustration which will have the true cost on it. This is normally depicted by the Annual Percentage Rate (APR)

By maximising your deposit amount and minimising your loan term, you stand to significantly reduce the overall cost of your loan. However, there is much more to answering what the true cost of your home loan will be. Upfront fees such as valuation fees, conveyancing and legal fees need to be added to the total cost. Ongoing fees such as those you can incur for using a drawdown facility.

While it’s impossible to forecast the entire cost of your mortgage to the penny – and let’s not forget how life circumstances and changes can affect your ability to pay your loan too – a broker can can help clarify the big picture details. Mortgage Saving Experts can recommend any protection or insurances to protect you and your family to cover life unfortunate eventualities and our team of advisers can use this information to help you decide which loan is best for your circumstances.

The big question plaguing home buyers tends to be, ‘how much can I borrow?’ Each lender is massively different in this area so as a maximum depending on many factors. In the majority of cases, you can borrow up to around 5 times your gross annual salary but in some instances, you may borrow up to 5.5 times your gross annual income

Once you speak to us, however, we’ll be able to give you a much more accurate indication of your borrowing capacity. Brokers act as the go-between for you and the lender. Lenders will need to know your living expenses, debts, credit score and whether you have dependents. A broker can factor all these things into the right loan.

A broker can also explain home loan terms you’ll need to know, such as LTV, which is the initialism for Loan-to-Value and refers to the percentage of the total loan amount you seek to borrow as a percentage of the property purchase price or value. They can also explain things like the differences in interest rates and repayment types such as Interest Only and Repayment (Capital & Interest)

This is a good follow-up question to ask, as it will give you a better understanding of the mortgage broker’s experience.

For example, imagine two brokers joined the industry in 2013, but that Broker A had written 500 loans during that time and Broker B had written 300. In that case, even though both parties would be able to claim five years of industry experience, there would be a clear difference in hands-on experience.

This is a good place to start, because a more experienced broker will generally be more knowledgeable than a less experienced broker.

Press the broker to give you a specific answer, such as “Eighteen years” or “I’ve been a broker since 2007 and in the mortgage industry since 2001”, rather than something vague like “I’ve got a lot of experience”.

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{ Get in touch with the Mortgage Saving Experts in LOCATIONXXX. | Contact the Mortgage Saving Experts in LOCATIONXXX. | Reach out to the Mortgage Saving Experts in LOCATIONXXX. | Get in contact with the Mortgage Saving Experts in LOCATIONXXX. | Connect with the Mortgage Saving Experts in LOCATIONXXX. } { You can reach them by dialling 01273 738 072 today for a friendly chat. | You can do so by calling us on 01273 738 072 for a friendly conversation. | You can do this by dialling 01273 738 072 for a friendly chat. | For a brief and informal chat, call us now on 01273 738 072. | You can reach us by dialling 01273 738 072 today for a friendly chat. }