Mortgage Products are changing daily, as are the criteria the lenders use to determine how much they will lend and to whom.
Keeping on top of these constant changes is a key part of what we do, ensuring that you benefit from the competition between lenders by securing the best deal for you.
We give advice specific to your circumstances whether you are moving home, investing in property, remortgaging or consolidating debts.
We have access to all deals from all lenders, not a single lender or a restricted panel of lenders.
We are not tied to any insurer so you will get a better deal on any insurances through us.
We have your interests at heart, not those of Shareholders or a Board of a PLC.
We treat you as a Client, not a Customer.
Banks & Building Societies
These lenders will only be able to provide you with information about their range of mortgage products. The choice will be limited and may not meet your exact needs in terms of flexibility, charges, service or interest rates.
In addition, the banks and their advisers have recently been heavily critisised by the FSA and the press over mis-selling insurance policies to clients that had no need for such cover. In most cases the Banks paid their staff on a bonus structure for selling insurances.
Financial Advisers, Tied Mortgage Brokers & Estate Agents
Unlike Mortgage Solutions, not all brokers and especially advisers within an Estate Agency, are 'whole of market', and their advice may be restricted to a limited number of lenders. However, we are different because we search the deals available from all lenders. We have expert advisers who will not only aim to help you save money on your mortgage payments, but who will also use their detailed knowledge of the mortgage market to advise you on how much each lender will be prepared to lend to you. They will also provide guidance on the numerous mortgage products available, review the charges each lender makes, and compare the service quality between providers.
A Few Facts
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We can search over 8,000 mortgage schemes from more than 80 UK mortgage lenders regardless of whether they are available on the high street, via the internet or only through a mortgage broker.
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A saving of just 1% on your current interest rate would mean you pay £30,000 less over a 25 year term based on an interest-only mortgage of £125,000.
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We have been established since 1996 and service 1500 existing clients. 70% of all new business comes to us by personal recommendation.
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We arranged over £42 Million pounds in mortgages for our clients in 2007.
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