Mortgage advice in Stevenage
Your home may be repossessed if you do not keep up repayments on your mortgage.
Equity release will reduce the value of your estate and can affect your eligibility for means tested benefits.
We'll help you every step of the way
Whether you’re a first time buyer, looking to buy a bigger family home or downsize for retirement, considering a buy-to-let investment, release equity from your existing home or just looking to save money on your current mortgage we are here to help.
Four steps to take the stress out of getting a mortgage
Step One – We can arrange an initial discussion face to face or by telephone to get an idea of what you want to do. We then send/email you a short questionnaire, a budget planner and the necessary regulatory documentation.
We can recommend an excellent solicitor/conveyancer to handle your purchase and any associated sale and provide you with a fixed price quote for their services.
Step two – Having collected the necessary information from you and understood exactly what you are trying to transact, we can undertake the preliminary research. Having designed the best solution for your circumstances we then go through our proposals to enable you to decide whether to proceed.
If you want to change your mind and change the criteria we will then make the necessary alterations. At this stage we can submit an agreement in principle to the lender to make sure they will accept you.
Step three – Once you have given us the go-ahead to submit a full application, we then prepare all the necessary documentation and provide you with a list of all the documents we will require from you. Once we have all the documents we submit the application to the lender in whatever format they require. At this stage we also need to ascertain what protection needs you may have and confirm a price to you.
Step Four – Having submitted your application, our service doesn’t stop there. We continue to liaise with the lender to get the mortgage offer issued as quickly as possible. At the same time we speak to your solicitors and estate agent to make the process as smooth as possible. We will continue to speak to all parties and regularly update you until you complete on the transaction.
Looking for a mortgage? Call 01438 359300 for a FREE, no-obligation initial consultation today!
Mortgagehunters Limited T/A Mortgage Hunters Financial Services is an Appointed Representative of Connect IFA Limited 441505 which is Authorised and Regulated by the Financial Conduct Authority and is entered on the Financial Services Register (https://register.fca.org.uk/s/) under reference 776832.
There will be a fee for mortgage advice, the precise amount will depend upon your circumstances. Your Consultant will confirm the amount before you choose to proceed but we estimate it to be £899 or up to 2% of the mortgage amount.
Not all services we offer are regulated by the FCA
Commission disclosure: We are a credit broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation.
Whichever lender we introduce you to, we will typically receive commission from them after completion of the transaction. The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender.
Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commission at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement.
For sales of non-investment insurance products such as life and critical illness insurance, we are remunerated by commission from the insurance provider. Commission will normally be based on a percentage of your premium for a set period of time.