Mortgage Advisers in Northampton
Buying a property can be the biggest decision you will ever make. It is for this very reason that impartial advice is so important from competent and qualified mortgage advisers in Northampton. Whether you are a first time buyer, looking to remortgage or even looking to purchase a second home, our mortgage advisers will guide you through the whole process .
Before you start looking for houses, you should ensure your mortgage has been pre-approved. This will involve a credit search with a lender to check they are happy to lend and an affordability assessment by one of our mortgage advisers. They will take in to account your income and outgoings as well as any other credit commitments you may have.
Applying for a mortgage in Northampton is not always straight forward. Our highly experienced mortgage advisers are able to explain the complicated terms and conditions as well as different lenders criteria and requirements ensuring that you understand the whole process.
Given the importance of this decision, once we fully understand your circumstances, our advisers will search the market for the most suitable mortgage for you and your current situation. Our mortgage advisers will guide you through the process of buying a home from start to finish so that you know exactly what is happening every step of the way.
Our aim is to provide reliable mortgage advice that is tailored to your current financial circumstances. Whether you’re a first-time buyer, buying to let or even thinking about a re-mortgage we are sure we can find the right mortgage that best fits you.
Contact us today to arrange a meeting with one of our mortgage advisers in Northampton. We can find the best mortgage to suit you. Even if you have poor credit, we will do our best to find one that suits your financial situation.
Remortgaging Property In Northampton
Our Mortgage Brokers in Northampton can also help with remortgaging your property. You will be able to have peace of mind, knowing that you are in good hands. Changing lenders is not always the best option and should be given serious thought before making a decision.
Even if the new lender is offering a lower rate, we need to consider fees that might be incurred during the process. You will need to have a solicitor and the new lender will normally want to do a new valuation on the property. Some of these costs may well be covered by the new lender but our mortgage advisers will be able to find the best mortgage to suit you taking in to account your budget and all of the fees that may be payable.
When switching mortgages, you are also able to select a new repayment term. If your new interest rate is higher or lower than your old one, you may be able to change the term of your mortgage to suit your monthly budget. Our advisers in Northampton will look at this with you and ensure that you are comfortable with your monthly repayment figure. You should also consider that you may be required to pay an early repayment charge to your previous lender if you decide to remortgage before the end of your initial benefit period.
You should always think very carefully before you secure other debts against your home as it may be repossessed if you do not keep up with repayments on your mortgage or any other debts secured against it.
So, contact us today to talk to one of our experienced mortgage brokers in Northampton.
We don’t charge for our advice. Instead, we simply charge a fee for processing your mortgage application. Our typical fee is £500, however the actual fee will depend on your circumstances.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBTS SECURED AGAINST IT.