Nobody really wants a mortgage, but unless youâre on the Financial Times Rich List, itâs a step most of us have to take to buy a home. So, where do you start? Your own bank? Sure, thatâs a familiar option, but think about what you do when your car insurance is up for renewal. Most of us jump onto a comparison site to find the best deal. Now, considering your mortgage is likely to be a bit more expensive than your car insurance, doesnât it make sense to shop around for the best rate?
You see, while your bank is a good place to begin, itâs unlikely theyâll offer you the best deal on the market. With approximately 340 mortgage lenders in the UK, the chances of your bank having the best rate are slim. Thatâs why talking to an expert with access to the whole market is a smart move.
âOkay, sounds good, but how much does it cost?â
Our mortgage advice doesnât come with a catch. Hereâs how it works: when our adviser finds you the right mortgage and places it with a lender, the lender pays the mortgage adviser a fee, known as a procuration fee. Itâs like a thank-you for bringing them your business. This fee doesnât come out of your pocket or get added to your loanâitâs purely from the lender to the adviser. Some advisers will charge you for their services and still take the fee from the lender, but our advisers are happy to let the bank pay them, not our clients.
Think of it like this: the lender saves on advertising and staffing costs by having the adviser do the legwork. No expensive high street branches, no payrollâjust a new customer delivered directly to them. Thatâs why theyâre happy to pay the adviser directly, and why you donât have to.
Our advisers are available five days a week, even into the evenings. All you need to do is provide some basic information, like your salary, and weâll do the rest. No taking a day off work to get an appointment at the bank, no losing your Saturday morning in a queue, and definitely no getting stuck in a phone menu maze of âPress 1 for this and 2 for that.â We make it easy, so you can get on with your life.
It might sound too good to be true, but it really is as straightforward as that. So, what are you waiting for? Grab your free lunchâthereâs no catch! Fill in the contact form below, and letâs get started.
