Are you in need of Mortgage Advice in Bingley?
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I offer a highly efficient friendly yet professional mortgage broker service for clients in and around the Bingley area. Clients use me for simple mortgages such as a straight forward purchase or for much more complex cases such as multiple buy to let remortgages and onward purchases. I have helped many clients who have been more than happy with the service I offer.
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Areas Covered
Over the years I have built up clients from lots of areas within Bingley. Areas include Cottingley, Heaton, Sandbeds, Allerton, Harden and Long Lee.
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A Few of our Reviews
Efficient Easy to Understand Process…
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The first step in the mortgage advice process is for us to have a brief initial chat. You can ring us on free phone 0800 612 3367. We can then have a few minutes chat to work out whether what you are trying to do is possible. At this stage only a brief outline of what you are trying to do is covered. If you are at work and cannot make a call the you can contact me via email to have a discussion about what you are trying to achieve. At this stage it may be that what you are trying to do is not possible for example if you have no deposit or not enough income. However in most cases I can help and then I will arrange a convenient time to call you to go through things in more detail.[/toggle]
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Once we have determined that I can help you then I need to find out hard and soft facts about you so I can begin to formulate solutions. Areas I need will cover basic details like full names and addresses, date of birth, employment status and income. Other areas will include your credit commitmentsAny existing financial commitments, such as credit card or l... and outgoings. Lastly we will talk about the mortgages you want what deposit you have, what your budget is, what type of interest rate you would prefer. We will also look at what protection solutions you have in place and how whether or not these will be suitable for your new mortgage. We will discuss time scales and when you are looking to move with the solution and then agree a time when I will email the figures to you.[/toggle]
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The detailed mortgage figures will enable you to know two things. Firstly that what you are looking to achieve is definitely doable. Secondly you can look at the figures and work out whether the payments are affordable and thus the idea feasible. Included in the top of the email is a summary of what we discussed and a brief overview of the deposit, loan etc. The middle section details the mortgage figures such as the interest rate, term, monthly payment, fees and charges etc. This information is also attached in the form of a key fact illustrationA document that shows the costs and terms of a mortgage, inc.... The bottom of the email lists all the items that would be required in order to proceed with the application such as, payslips, passports, bank statementsA record of a borrower's financial transactions often requir... so you can prepare these for our home visit.[/toggle]
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The final step is for me to pop out to see you to scan any of the required documents that the lenders requires. Typically payslips, bank statements, passports, address ID will be required. Other information such as the address of the property you are buying, name of the estate agents you are buying through, name of a solicitor you want to use etc will need to be gathered. Once this is complete then I will fill in the application form on your behalf and deal with the lender throughout the whole process until the mortgage has completed.[/toggle]
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Types of Mortgages Offered …
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First Time Buyers I offer expert advice and house buying guidance for those first time buyers looking to get on the housing ladder. The mortgage process can seem confusing for first time buyers and having someone to explain the complex jargon in easy to understand language can simplify the process. Many first time buyers only have small deposits and therefore shopping around to get the best deal from the whole mortgage market is important. As well as the mortgage itself helping first time buyers take advantage of the various protection policies that are available and helping them choose the right solution for their own situation is important. Ensuring that the lender offered to the first time buyerA borrower purchasing their first property. is the right one and that the applicant fits all the lenders criteria is taken care of by myself.
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Buy to Let Mortgages Many clients that I see these days either already have buy to lets or are quite keen to get their own first time buy to let mortgages. The high street doesn’t really offer much choice when it comes to buy to let mortgages. Many of the high street lenders have their own specialist lender for buy to lets such as The Mortgage Works or Birmingham Midshires. These lenders are often only available through intermediaries such as mortgage brokers. Many of the buy to let lenders have criteria that is hard for clients to match and thus comparing lots of lenders and knowing each lenders criteria is sometimes the only way a client can get a mortgage agreed.
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Remortgages Many clients I see often just want to remortgageRefinancing an existing mortgage with a new mortgage. to get a better interest rate. Others want to move the mortgage from interest onlyA mortgage where the borrower only pays the interest on the ... to a capital and interest repayment mortgage. Others want to release equityThe difference between the value of the property and the amo... from their homes to do home improvements, give family a deposit, raise funds to buy another property, divorce settlements and a host of other reasons. Again comparing the whole mortgage market’s rates and lending criteria helps my clients get the right mortgage for their unique circumstances.
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