Mortgage Advisers in Shirehampton

Shirehampton Mortgage Advisers

Do you need a Mortgage Adviser in the Shirehampton area?

Securing a mortgage is a crucial element of buying a property.

While you can arrange a mortgage yourself, many buyers prefer to seek the assistance of a mortgage adviser. These experts take care of the hard work by searching for the best mortgage rates and outlining the benefits and drawbacks of each option. After you select a mortgage offer, they will handle the paperwork and submit it to the lender on your behalf.

Why use a Mortgage Adviser?

• Independent mortgage advisers possess extensive knowledge of the mortgage products offered by various lenders.
• When you seek advice from a regulated mortgage adviser, you have more protections compared to choosing a mortgage product on your own.
• If you are self-employed or have unique circumstances, a mortgage adviser can identify which lenders are best suited to your specific needs and are most likely to accept your application.
• Using a mortgage adviser can save you a considerable amount of time and effort, ensuring you secure the right mortgage deal for your needs.
• Given that most mortgage terms range from 2 to 5 years, selecting the wrong mortgage can be costly in the long run.

How much does a Mortgage Adviser cost?

Mortgage advisers will either charge a set fee or earn through commission on the mortgage. If paid by commission, they receive payment from the lender after your mortgage is approved. Sometimes this commission is added to your mortgage, so you won't have to pay it immediately.

In some instances, the lender pays the mortgage adviser's commission, meaning you won't be billed for their services. Before engaging a mortgage adviser, confirm their payment structure. You might need to account for their fees in your overall budget.

Why use a House Nous recommended Shirehampton Mortgage Adviser

• Trusted Partners
  All House Nous mortgage adviser partners are authorised and regulated by the Financial Conduct Authority.
• Competitive Pricing
  You will receive at least three cost estimates from different mortgage advisers, allowing you to compare prices.
• Proven Quality
  All of our mortgage advisers are specialists with a strong track record of delivering high-quality service.
• Local Expertise
  A thorough understanding of the local property market can prove invaluable to helping you find the right mortgage. Face to face meetings and being able to drop off and collect documentation are other advantages of using a local mortgage adviser.