For many years, we have been experts in helping clients attain high value mortgages, often where there is a history of complex income structures or other out-of-the-ordinary factors in respect of traditional lending criteria.
We work with all lenders – high street banks, private banks, challenger banks and assorted specialist lenders - and we have spent many years building such valued relationships. As a result, those well-established bonds often result in some leverage for our loan applications. Furthermore, we are privileged to be on key lenders’ ‘exclusive panels’ which occasionally allow access to mortgage products at discounted rates of interest, designed especially for lenders to meet their lending targets.
A worthy mortgage adviser will be able to provide you with the following benefits:
Such an adviser will have an in-depth knowledge of the products available and the terms and conditions that apply to each one. High street lenders can only offer a mortgage from their own ranges and can be relatively inflexible on lending criteria, rates and fees.
Such an adviser will have access to the growing number of lenders who have no high street presence: an adviser, with access to a comprehensive range of lenders, is more likely to find you the suitable deal available.
Such an adviser will have the experience and expertise to weigh up all the variables and recommend the right lender for your circumstances. Comparison websites and ‘best buy tables’ cannot reflect the wide range of factors that will affect the overall cost of a particular mortgage product.
Such an adviser will serve as an intermediary on your behalf with the lender. He or she will know if the lender is taking a reasonable approach to your application, taking too long to process it or making unreasonable demands for information. He or she will also be able to explain the whole process to you in a straightforward, professional manner and be able to complete the entire mortgage process, from outset to completion, on your behalf.
Such an adviser will have developed relationships with many lenders over the years. This may mean that the lender will be more flexible in their approach to your application.
Such an adviser adds value that is recognised by lenders and as a result, many lenders offer exclusive products via selected mortgage brokers.
A significant amount of our business is introduced to us by professional firms that hold fast to our basic principles
honesty with advice
strict confidentiality
transparency regarding fees (more often than not, we don’t charge one)
effective use of our client’s time and of our own time