How do mortgage advisors save you money?

Buying your first home (or any property for that matter) is one of life’s biggest, most memorable events. It is often representative of hard work, perseverance, and patience. Unfortunately, it is also one of the most expensive things you’ll commit to doing, perhaps for the longest period of your life, too. You’re going to want to embrace all the ways you could be saving on costs, and sometimes those costs go beyond financial.

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The Cost Of A Mortgage adviser

The process of buying a home, while very exciting, is not exactly all fun and games. As you navigate the process, you realise that there are a lot more costs and paperwork involved than you’d ever imagined. Chances are, the word ‘costs’ in this headline may even be unsettling you. Especially if you’re a first-time buyer, you’re likely doing your homework on ways to cut costs and get the transaction done as efficiently as possible. Can you relate?

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How to prepare for a mortgage application

The decision to take out a mortgage can very well be one of the biggest decisions you will make in life. Then once you’ve made the decision to take the plunge and do it, you’re faced with what feels like so many obstacles in the form of admin and processes. Preparing for your loan application can be daunting, but we’re here to help you navigate the process in the hope that the load is made a little lighter for you.

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Mortgage rate fluctuations

According to the Financial Times, UK mortgage rates rose at their fastest pace for a decade in the last six months, according to data from the Bank of England. This fuels the expectation that the country’s housing market is cooling after a pandemic-induced boom.

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Why use a mortgage broker?

You might ask what do they do that you can’t? Why should you pay for their services when you could do it yourself for free?

There are many costs when you move home or remortgage, a mortgage broker should be considered a part of the overall process. Don’t be put off by the fee and be tempted to go it alone.

Mortgage advice from a broker is an invaluable service.

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How long are lenders taking to process mortgage applications?

Once your mortgage application has been submitted, the lender starts the assessment process. You will need to provide various documents and there may be several conversations and requests before you hear whether the application has been accepted. Your broker will be liaising with the underwriter at every stage and keep you updated of developments when they occur.

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Emma

Choice Mortgages have provided me with a fantastic consultative service for over 10 years. I've had absolute peace of mind that everything related to my mortgage, home insurance, life insurance and critical illness insurance has been in hand. Nicki and the team have always given me informed guidance and I've had every confidence in their recommendations and products. A first-class service that I wouldn't hesitate to recommend.

A first-class service that I wouldn't hesitate to recommend.

Emma and her daughter