Welcome to Stead Mortgages, and welcome to our friendly, jargon-free and impartial mortgage service. We have 15 years of experience in helping people to find the right financial product for their needs. We are qualified, expert and adept at navigating the whole of the market, scouring literally thousands of products on your behalf. Buying your first home is a huge financial commitment and the choice of mortgages can be overwhelming.
But we are here to support and advise you at every stage. Working with an impartial mortgage consultant like Stead Mortgages can save you hours of shopping around for a first time buyer package and we can help you access mortgages with deposits from as little as 5%. Thinking of remortgaging? We can help you decide when it will pay to switch. Stead Mortgages are ready to help you find the right deal for your circumstances.
Whether you're looking to secure a better interest rate, you need greater repayment flexibility, or you need help with restructuring your overall finances, we can navigate the choices on your behalf and find the best solution for you.
But we are here to support and advise you at every stage. Working with an impartial mortgage consultant like Stead Mortgages can save you hours of shopping around for a first time buyer package and we can help you access mortgages with deposits from as little as 5%. Thinking of remortgaging? We can help you decide when it will pay to switch. Stead Mortgages are ready to help you find the right deal for your circumstances.
Whether you're looking to secure a better interest rate, you need greater repayment flexibility, or you need help with restructuring your overall finances, we can navigate the choices on your behalf and find the best solution for you.
Services
I'm Kevin Stead, a whole of market mortgage broker with more than fifteen years of experience in helping clients to buy, remortgage and protect their homes.
I am CeMAP qualified, which is the industry-wide, benchmark qualification for mortgage advisers, so you can be assured that you are in expert hands.
I'm also an impartial mortgage broker, which means I'm not tied to particularly lenders and I'm in a position to share my in-depth knowledge of first charge mortgages (which, in plain English, is a normal mortgage).
I am CeMAP qualified, which is the industry-wide, benchmark qualification for mortgage advisers, so you can be assured that you are in expert hands.
I'm also an impartial mortgage broker, which means I'm not tied to particularly lenders and I'm in a position to share my in-depth knowledge of first charge mortgages (which, in plain English, is a normal mortgage).
As well as offering mortgage advice, we offer a range of protection policies and links to complementary services such as conveyancing, surveying, and wills.
By working with us and our trusted colleagues you will have the best chance of financial peace of mind.
Here's an overview of each service, please do get in touch to find out more:.
I will help you make the right choice for your mortgage and protection needs, tailoring solutions for your current and future needs to ensue that you have the most suitable products in place.
By working with us and our trusted colleagues you will have the best chance of financial peace of mind.
Here's an overview of each service, please do get in touch to find out more:.
I will help you make the right choice for your mortgage and protection needs, tailoring solutions for your current and future needs to ensue that you have the most suitable products in place.
As a first time buyer you are likely to be full of concerns and questions, so finding the right mortgage can feel like a huge task.
We can answer all of your mortgage queries and guide you through the process of applying for a first time buyers mortgage.
As an impartial mortgage company, we are well placed to access the whole of the market - we are not restricted to one lender and we often have exclusive mortgage packages that our customers can't get elsewhere.
We can help you work out the level of deposit required, the term you should go for (usually between 5 and 40 years), whether a fixed rate or tracker mortgage works best for you, and, we can walk you through the steps between applying and opening the front door to your first home.
We can answer all of your mortgage queries and guide you through the process of applying for a first time buyers mortgage.
As an impartial mortgage company, we are well placed to access the whole of the market - we are not restricted to one lender and we often have exclusive mortgage packages that our customers can't get elsewhere.
We can help you work out the level of deposit required, the term you should go for (usually between 5 and 40 years), whether a fixed rate or tracker mortgage works best for you, and, we can walk you through the steps between applying and opening the front door to your first home.
As with all financial products, securing your mortgage isn't the end of the journey - you need to review and/or renew your mortgage products to ensure that you have the best deal possible.
Stead Mortgages has a decade of experience in helping you to do just that, and it can take as little as 4 to 12 weeks to arrange.
To introduce more flexibility to your mortgage ie overpayment to reduce the repayment period and cost.
To restructure your debts (adding them to a mortgage may reduce the APR but it takes longer to pay off and may increase the overall cost of the debt).
Stead Mortgages has a decade of experience in helping you to do just that, and it can take as little as 4 to 12 weeks to arrange.
To introduce more flexibility to your mortgage ie overpayment to reduce the repayment period and cost.
To restructure your debts (adding them to a mortgage may reduce the APR but it takes longer to pay off and may increase the overall cost of the debt).
While BTL mortgages are similar to standard mortgages, there are some differences.
Seeking buy to let mortgage advice is a good idea to ensure you know all there is to know about how they work, how to apply, and what the problems may be.
For instance, did you know that you are unlikely to get a BTL loan if you don't already own your own home (outright or with a mortgage), that there are earning requirements (usually of 25,000+), and that there are upper age limits (70-75 at the end of the mortgage term)?
Seeking buy to let mortgage advice is a good idea to ensure you know all there is to know about how they work, how to apply, and what the problems may be.
For instance, did you know that you are unlikely to get a BTL loan if you don't already own your own home (outright or with a mortgage), that there are earning requirements (usually of 25,000+), and that there are upper age limits (70-75 at the end of the mortgage term)?
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