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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Wanted to get a re-mortgage to, hopefully, reduce monthly payments. Spoke to Rob who went through my options and explained everything clearly, very helpful and knows what he's doing. Once things were in place, I went with Rob's recommendation, I was then in contact with Cara to go through the paperwork side of things. Cara is always there at the end of the phone or e-mail and very quick to help. Due to the current lockdown things have slowed down, my end not being able to get things signed, and Cara has been in touch ensuring that when things ease up we'll be ready to go. An excellent team, very helpful and knowledgeable. Highly recommended.

Darryl W

May 2020

Get the Right Mortgage Advice