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Welcome to our Mortgage Broker in Warrington. Our job is to help you through the mortgage process, making it stress-free and simple. We have been providing Mortgage Advice in Warrington for over two decades now; we always know exactly how to help you!
Once you have your free 30-minute mortgage consultation, your Mortgage Advisor in Warrington will begin searching through thousands of mortgage deals on your behalf. They will keep looking until they find you a perfect deal that matches your personal circumstances.
A Mortgage Broker in Warrington will always be open and honest with you. Our job is to try and save you time and money; even if your mortgage situation is complex, our advisors won’t give up and will try their hardest to find you a competitive deal. Our transparent Mortgage Advice service is highly valued by all of our past customers and you can see this by looking at our outstanding reviews.
We provide Mortgage Advice in Warrington in lots of different areas, here are the main subjects that we cover:
If your situation is not listed above, don’t worry as your Mortgage Advisor in Warrington is experienced in all mortgage areas, so it’s more than likely that they will still be able to assist you with your situation.
You may ask, what differs between going to a Mortgage Broker in Warrington and a bank? A Mortgage Broker in Warrington will go for the best deal available and will search through lots of different lenders to try and find you a great deal, whereas banks can only offer their own products and the rates may not be as competitive.
A Mortgage Broker in Warrington works for you and only has your best interests at heart. Our team does their absolute best to ensure that you receive the best consumer experience possible by going above and beyond for you during every step of the process.
In Warrington, we always go the extra mile for our customers, we even operate during out of work hours so that you can ring at a time that is best suited to you. Our hardworking team are available 7 days a week. Never hesitate to call us, we would love to try and help!
We take a great deal of pride in the level of customer service we provide, it’s at the heart of everything we do. Whether you’re dealing with a mortgage advisor or an administrator, our brilliant team are here all throughout the week until late at night, supporting you and your mortgage needs. We love being responsive to your enquiries!
We’re also quite active on Facebook and Twitter, sharing news and mortgage tips from our website on a daily basis, so it’s always worth checking up to see if there’s something that may help. If you have a mortgage enquiry, we always have someone monitoring the messages ready to respond if needed.
You can worry less when it comes to the remortgage process! You already own your house this time, so this cuts out the property chain. We will do what we can to ensure that this time around things go as quickly and as smoothly as possible.
We will help and support you throughout the whole process, helping you over any hurdles which may arise. 7 Days a Week.
We’ll aim to make you feel relaxed and be open and honest – We’ll take away the stress.
Please read our genuine customer reviews. We strive to offer the best Mortgage Advice service possible.
Your free initial mortgage consultation in Manchester will last roughly one hour. A dedicated advisor will then recommend a mortgage for you, with no obligation to accept and go forward and proceed with the mortgage in question, if you decide that it is not for you.
As trusted Mortgage Advice professionals in Manchester, we will carry out a Fact Find to establish your personal needs before we go ahead with recommending the most suitable mortgage for your situation. From there you will be credit checked, which is a requirement to obtain an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, you can be issued a formal mortgage offer.
We recommend you obtain an Agreement in Principle prior to property viewings in Manchester, in order to avoid potential disappointment. At the very latest we would suggest that you obtain one before you make any offers, to put you in a better bargaining position. As a dedicated Mortgage Broker in Manchester, we are typically able to obtain an agreement in principle within 24 hours.
Generally speaking, an Agreement in Principle will last for between 30 and 90 days, depending on the lender that is used. If your Agreement in Principle expires before you can make use of it, it can be easily refreshed by speaking to your advisor.
If you’re looking to achieve something like debt consolidation or home improvements, you may be able to place a second mortgage on your home. If you’re looking to use it for yourself, a family member, a holiday home or a Buy to Let, a second mortgage on that property may also be an option.
A high street lender will typically require you to put down at least 5% of the property purchase price for your deposit. If you have had credit problems in the past, this may be higher.
If you have struggled with credit problems in the past, you may still be eligible for a mortgage, though a lender may possibly require you to put down a higher deposit than expected. This can be something like 15% of the property purchase price.
Submitting at least one year’s accounts moves you along the process, allowing for you to potentially obtain a mortgage in Manchester. Most lenders will utilise your salary plus dividend to calculate the maximum mortgage amount you are eligible to borrow, whereas some other lenders will go off your net profit.
In order for an employee to prove their income, it’s usually 3 payslips and the last 2 years’ accounts if you are self-employed. You will also need to provide some proof of ID, address and the last 3 months’ bank statements.
The free initial mortgage consultation that we offer generally lasts up to around an hour. We are then able to turn around an agreement in principle within 24 hours of that appointment. A formal mortgage offer takes, on average, somewhere around three weeks.