How do I find the right mortgage?

28th March 2020

When you’ve made the decision to move to a new home or remortgage your existing property, getting the best mortgage deal is likely to be at the top of your list of wants. By far the most effective way of securing a good mortgage rate from a trusted provider is to talk to an expert mortgage advisor. A good mortgage specialist will have access to the most competitive rates available on the market and be able to find a deal that’s the right fit for you and your circumstances.

Before you start house-hunting, you’ll need to do some groundwork to assess how much you can afford to spend on your new home – remember to include your deposit, legal fees and Stamp Duty, etc. When you have an idea of what you need to borrow, you can then work out what your mortgage payments are by using our mortgage repayment calculator.

By talking to a specialist mortgage adviser early on in the process, you’ll get all the advice you need on the mortgage product that’s right for you. Your deposit, your age and having a joint borrower may determine the rate and the term of your mortgage. You’ll need to decide which type of mortgage you’d like, such as a fixed-rate, variable rate, first-time buyer, repayment or interest-only mortgage. There may be fees, penalties and, of course, incentives available that could also sway you towards a particular product too.

When you’ve found the right mortgage product, your mortgage adviser will get the ball rolling and, when you’ve found your dream home, the next exciting step will be to make your offer.

No matter where you are in the house moving process, talk to our team of expert mortgage advisors and we’ll guide you through it all. Call us on 08454 500200 or click here to make an enquiry.

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My wife and I have been working with Chawley Soper fpr many years. We've had 6 properties, with the very first when we remortgaged our original home and let it to downsize and buy a bungalow. We then bought an investment property to renovate and sell. The next property we bought and rented and then recently we invested in a 4 bed bungalow as another rental/investment property. Chawley has always been there through the years working on our behalf to get us the best deals and guide us through the mountains of paperwork and correspondence with solicitors. We can't really praise him highly enough. Not just his phenomenal knowledge and professionalism but for always being there to deal with even the smallest of queries and problems. Through buying, selling and remortgaging and finding the best deals we feel as though we are in very safe hands and trust Chawley implicitly. If we have any ideas about future moves, such as recently we considered selling and porting to a new property, it will be Chawley who will guide us. We've had one other property from before our association with Chawley and he now deals with all of the remortgaging for this as well. We feel as though he has become far more than just a mortgage adviser and we fully recommend him.

Andy S

May 2020

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