Buying a home is one of the biggest financial decisions you’ll ever make. Whether you’re buying your first home, your forever home or an investment property, it’s important you get the right mortgage deal for your requirements.
Mortgage Broker Guildford
As impartial mortgage advisors in Guildford, we’ll help you cut through the confusion and find the best deal for you. When it comes to mortgages, there is no such thing as a one-size-fits-all deal. One of our professional mortgage brokers will take time to understand your circumstances before scouring the market to find the mortgage deal that best suits your needs.
Every mortgage deal we broker is tailored to the individual needs of each client. To talk to us about your new mortgage deal, call today.
We can help you with
- First-time buyers
- Home Movers
- Council Right to buy
- Shared ownership
- Help to Buy – Newbuild
- Credit adverse – Subprime
- Buy to Let
- Let to Buy
- Limited Company Buy to Lets
- Joint Borrower Sole Proprietor Mortgages
- Contractor and Self Employed
Helping you find the best possible mortgage rate for your situation
Every case is different and it takes a trained eye to realise these differences and how they affect the way a lender will look at your case.
Lenders have set criteria and they often change this especially with changes in the market so, for example, a pandemic would cause lenders to be more cautious. Where a lender may have recently been able to use your overtime towards affordability at 50% – 100% they may now be limited to taking only 30% of this or even none at all. This could then take your case out of affordability in the eyes of that lender.
Whatever your plans are we will find the best rate for your situation!
How long are you planning to keep this house? Should you be considering a fixed rate for longer? Have you looked at the difference in costs?
You could be looking to raise capital for home improvements and you may have been told you can only obtain enough borrowing to support half of the intended budget when you could be missing out on finishing the project you’ve been looking forward to for years just because you didn’t get the right advice. Or you could be borrowing just a little too much then your really need to for the project and this has taken you over an LTV (Loan to Value) bracket which will mean you’ll pay much more in interest than you need to.
Your home may be repossessed if you do not keep up repayments on your mortgage.
As with all insurance policies, conditions and exclusions will apply.
Not all buy to let mortgages are regulated by the Financial Conduct Authority.
There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £395. There is no charge for any initial consultation
My Mortgage Maker Ltd is an appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the financial conduct authority.