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Why Getting Advice from a Mortgage Broker Can Give You the Widest Choice of Mortgages

Posted in: Latest News
 
As we move towards the new year, it's often a time people take a moment and plan their year ahead. Whether you're looking at moving, remortgaging or buying your first home, we want you to know we're here for you here at Love Mortgages.

When we are looking for a mortgage, it can be easy to fall into the trap of wanting to do it all ourselves but sometimes we need a little help. It is well worth getting advice from a mortgage broker to help you find the best deal. The people here at Love Mortgages are able to access a wide variety of mortgages, many more - far quicker, than you could potentially access on your own.


You might be wondering just why you should use a mortgage adviser. When applying for mortgages, we need to consider a variety of different things. Affordability and the house you want are just two of these things. You don’t always have to seek mortgage advice as there is the option of an ‘execution only’ application but many mortgage lenders prefer you to seek advice.


Here are just a few reasons why we should consider consulting with a professional to get you access to a wider range of mortgages. A mortgage is usually the biggest financial commitment you will take on in your life, so it is really important to make sure you get it right.



We Can Find Deals You Might Not Be Able To Find On Your Own

Mortgage advisers such as us here at Love Mortgages have a wide knowledge of different lenders and may be able to find you a deal that you wouldn’t be able to find on your own. It is also important to remember that a good mortgage deal might not be the best mortgage deal for you.


Some people have certain circumstances that mean getting a mortgage isn’t necessarily as easy as it is for others. This could be because they are self-employed or have a smaller deposit than the usual amount. A professional can help find something that is suited to them. It is vital that you do not end up with the wrong mortgage for your situation.


Some advisers even have exclusive deals with specific lenders that you are unable to find elsewhere. Or they might be able to save you a lot of money, should they find one with a decent interest rate.



We Offer Advice On Many Different Mortgage Types

As well as helping first-time buyers, we can also offer advice on buy to let mortgages, remortgages or mortgages which have more specialist requirements. We are happy to discuss your needs if you need help with any of these and let you know how we can help.


Here at Love Mortgages, we offer mortgages, advice, and protection both locally and nationally. We have many years of experience in mortgages and financial services in the UK and have extensive knowledge of all the lender's criteria. This enables us to get our clients the very best mortgage deal. We will give you advice tailored to you and help you to find the right deal for your circumstances.


We also share helpful resources and articles on our website here to help you with your decisions regarding your mortgage. We are a financial company that does things differently and are happy to tailor a mortgage to you to the type of life you lead.



We Offer The Best Protection

We not only find the most suitable deal for your circumstances, but we will also help you to find the best protection to suit your needs too. Having the right protection is so important and we will help you to find the right cover and premium for you as well as the right protection whether that happens to be mortgage payment protection or critical illness cover.



We Do It All For You

If you are applying for a mortgage by yourself, you need to do plenty of research to ensure that you are getting the most perfect deal for your circumstances. Here at Love Mortgages, we do it all for you. From the research to the completion of paperwork to help you understand everything about it, we will take you from the beginning to the end in a stress-free manner.


We can tell you from the offset if you are likely to be approved or rejected for certain mortgages as we know that rejected applications can be quite costly. The last thing you want to be doing when applying for a mortgage is wasting your valuable time and money and potentially missing your dream property. With our access to such a wide variety of mortgages, we can find something suitable for you if certain deals aren’t the right ones for you.


We will also keep in contact with you on a regular basis. We will provide regular updates on your application, and we are here whenever you have any burning questions or if you simply fancy a chat.



We Are Really Affordable

Some people avoid using mortgage advisers because they think the service is going to be really costly however they could not be more wrong. Not only can advisers such as us here at Love Mortgages help you save money in certain situations, but they are often much more affordable than you may think.


Some advisers will charge a flat rate, some will charge an hourly rate or a percentage of the amount you will borrow. Others may charge in a staggered manner. There are numerous ways mortgage advisers might charge you, but all of these will be more affordable than you might think.


We are completely flexible when it comes to payment methods and our charges are typically a one-off payment of £495 on completion – however, this will depend on your circumstances. If you are thinking about buying a house, then factoring in costs for professional advice is essential.


If you are looking for some advice, we would be happy to help here at Love Mortgages. You can contact us via our contact form or give us a call on 01244 90 44 10. We would be more than happy to offer you some advice based on your mortgage requirements. Don’t hesitate to get in contact today! 

We would like to take this moment to wish our past, current and future customers a very Happy New Year. All the best for 2022, we'll be here for you whenever you need us.
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