My Mortgage Brokers are a well-established firm based in the heart of Cheshire, Wirral & South Manchester, working with clients the length and breadth of the country.
With over 60 years of experience within the Financial Services sector, the three Directors, Adrian Richardson, Christopher Collins and Geraldine Hardman, having all previously worked in the corporate world in which they were restricted to offer advice from a limited panel of lenders and insurers, wanted to put the client at the heart of the business, combining their experience & wealth of knowledge to set up a truly independent, whole of market mortgage & protection firm.
We do much more than advising and arranging your mortgage.We strive to provide transparent, jargon-free advice through the mortgage maze with guidance on the home buying process, liaising with Estate Agents, Solicitors and Surveyors to make the path to your new home as stress-free as possible. Our team are happy to advise at a day and time most convenient to you, with no obligation.
With over 60 years of experience within the Financial Services sector, the three Directors, Adrian Richardson, Christopher Collins and Geraldine Hardman, having all previously worked in the corporate world in which they were restricted to offer advice from a limited panel of lenders and insurers, wanted to put the client at the heart of the business, combining their experience & wealth of knowledge to set up a truly independent, whole of market mortgage & protection firm.
We do much more than advising and arranging your mortgage.We strive to provide transparent, jargon-free advice through the mortgage maze with guidance on the home buying process, liaising with Estate Agents, Solicitors and Surveyors to make the path to your new home as stress-free as possible. Our team are happy to advise at a day and time most convenient to you, with no obligation.
Services
Discover how much you can afford to borrow and the associated costs involved in buying and selling.
Source the best rates from the whole of the mortgage market as well as exclusive rates not available on the high street.
Don't forget the importance of impartial advice!
If you are moving house or remortgaging, you may be tempted to just go back to your existing lender; however, it is important to remember they will only be able to recommend their own limited range of mortgage products.
There could be a better option for you with another lender, potentially saving you 1000's over the term.
Source the best rates from the whole of the mortgage market as well as exclusive rates not available on the high street.
Don't forget the importance of impartial advice!
If you are moving house or remortgaging, you may be tempted to just go back to your existing lender; however, it is important to remember they will only be able to recommend their own limited range of mortgage products.
There could be a better option for you with another lender, potentially saving you 1000's over the term.
When your existing mortgage deal is due to end and revert onto the lenders standard variable rate, this may result in a sharp increase in your revised monthly mortgage payments.
We recommend you chat to us four months prior to your initial rate ending to ensure there is sufficient time to switch to another deal or lender.
We recommend you chat to us four months prior to your initial rate ending to ensure there is sufficient time to switch to another deal or lender.
Whether you're becoming a landlord for the first time or looking to expand an existing portfolio, you will need to take out a Buy to Let mortgage rather than a standard residential mortgage.
A Buy to Let mortgage is specifically for people who are buying a property to rent out.
A buy-to-let mortgage is comparable in most ways to a residential mortgage.
However, there are some differences.
Firstly, the interest rate is typically higher and you will also need a larger deposit on a buy-to-let mortgage - a minimum of 25% is usual.
A Buy to Let mortgage is specifically for people who are buying a property to rent out.
A buy-to-let mortgage is comparable in most ways to a residential mortgage.
However, there are some differences.
Firstly, the interest rate is typically higher and you will also need a larger deposit on a buy-to-let mortgage - a minimum of 25% is usual.
Equity Release / Lifetime mortgage products are designed for people over 55 to take cash value from their homes without having to move.
There is a wide range of Equity Release products which can provide a valuable source of income for some people.
These schemes allow the borrower to stay in their home and benefit from the cash released from the equity of their property until certain events occur, for example, moving into long-term care or death.
At this point the lender will be repaid, usually through the sale of the property.
There is a wide range of Equity Release products which can provide a valuable source of income for some people.
These schemes allow the borrower to stay in their home and benefit from the cash released from the equity of their property until certain events occur, for example, moving into long-term care or death.
At this point the lender will be repaid, usually through the sale of the property.
When buying a brand-new home, you'll need a professional advisor on hand who is on your side.
You'll have approximately 28 days to exchange contracts.
Precision and timely documentation is essential.
Making your initial offer is the first step and requires speed and confidence.
You may be offered a builder incentive; lenders view these very differently, so it is essential that you deal with the right lender from the very beginning.
My Mortgage Brokers have years of experience dealing with this market.
You'll have approximately 28 days to exchange contracts.
Precision and timely documentation is essential.
Making your initial offer is the first step and requires speed and confidence.
You may be offered a builder incentive; lenders view these very differently, so it is essential that you deal with the right lender from the very beginning.
My Mortgage Brokers have years of experience dealing with this market.
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