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Mortgage for:

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Interesting Fact

  • English Common Law
    There is evidence of mortgages as far back as 1190 in English Common Law. Usually it seems where a debt went unpaid the person owed the money (creditor) could sell your (debtor) property. The history of the actual word “mortgage” is very interesting and comes from two old Latin words “mort”- which means dead or death and “gage” which means a pledge or to forfeit something. So a mortgage is a ‘death pledge’! Is it what I hear you sigh! In effect it was ‘dead’ in two ways: the property is “dead” to the creditor once the debtor paid off the loan, or if the loan is not paid off, the property was “dead” to the creditor.  

Fix my Mortgage

Why use a Mortgage Broker?

Choice

Of the many reasons let’s start with choice. Stop and think about it a bank or any lender for that matter, can and will only advise on their own products thereby limiting your choices. Do you really think our banks are scrupulous and acting in your best interests? Didn’t think so! Remember a broker is able to research the market and chose the product most suited to you

Knowledge

For most people the biggest reason they will use a broker is simply we know the criteria of all lenders, we deal with them daily so we know their preferences and pitfalls. Many of you will be familiar with the term ‘sorry you’re outside criteria’ or put simply the lender has decided they don’t want to lend to you based on how the application was presented. By using a broker you can eliminate the risk of refusal or reapply where already refused sometime seven to the same lender. Now more so than ever this is crucial don’t leave it to chance contact us to today

Cost

Last but not least it’s free!! Yes that’s right nothing currently no lender charges you any more for taking a mortgage through a broker as opposed to directly with them.

Don’t leave it to chance contact us for an appraisal free of charge whether you are a:

First time buyer Trade up Switcher Buy to let
Investor Commercial loan Equity release Other

We have access to the market and can will get the best deals at no cost to you.
 

Warning: Your home is at risk if you do not keep up payments on a mortgage or any other loan secured on it. This new loan may take longer to pay off than your previous loans. This means you pay more than if you paid over a shorter term.