Mortgage Advisers in Shirehampton

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Keys
  • All our mortgage adviser partners are authorised and regulated by the Financial Conduct Authority
  • All tried-and-tested local mortgage specialists

The easy way to find a mortgage adviser today

Step 1

1. Complete and submit the enquiry form.

Step 2

2. You will receive details from three mortgage advisers from our panel of approved suppliers.

Step 3

3. They will be in touch to discuss your requirements, or if you are in a hurry, you can contact them.

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.

Mortgage advice

Making an offer

BuyingConveyancingMortgages

The offer process will be heavily influenced by local market conditions. Estate agents will list properties at an asking price based on their experience of similar properties in the local area.

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Costs to consider after moving

BuyingMortgages

Buying a property will likely be the most expensive purchase you’ll ever make, and it is important to consider the ongoing cost of owning a property as well as the purchasing costs.

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What is Shared Ownership?

BuyingMortgages

Shared Ownership/Share To Buy are schemes designed to support first time buyers in entering the property market. Under this scheme, you would purchase a percentage of your home between 10% and 75%.

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Latest news

Mortgage lenders step up competition with Nationwide offering first time buyers up to 6x salary with a 5% deposit

October 4th, 2024

Competition between mortgage lenders has been on the increase in recent months with lenders offering new buyers the best deals.

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Bank of England announces first interest rate cut since 2020

August 5th, 2024

On 1st August 2024, The Bank of England announced their first cut to the base interest rate since March 2020. In a closely debated decision, the rate has been cut from 5.25% to 5%.

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Schemes available to help first time buyers get on the housing ladder

July 24th, 2024

Saving for a deposit is a massive challenge for first time buyers in the UK. Here we cover some of the schemes available to help first time buyers get on the housing ladder.

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Helping movers to move

From property conveyancers to surveyors, mortgage advisors and removals companies, our trusted partners are qualified and accredited.