Mortgage Brokers in Aberdeen

Total Result 39 - Page 1

First Mortgage

First Mortgage

243 George St , Aberdeen , AB25 1HN 01224 068656

As main mortgage advisors, we provide the widest alternative of prime Excessive Road lenders and we're so assured that we are able to discover you the perfect mortgage deal accessible we provide a ‘F...

Peterkins

Peterkins

100 Union St , Aberdeen , AB10 1QR 01224068290

Peterkins are a firm of solicitors, property brokers, and financial advisers. Our Head Workplace is in Aberdeen; and our extra workplaces are located in Inverurie, Huntly, Keith, and Alford, enabling ...

First Mortgage

First Mortgage

5 Holburn Street , Aberdeen , AB10 6BS 01224 068605

As main mortgage advisors, we provide the widest alternative of high Excessive Road lenders, and we're so assured that we will discover you the most effective mortgage deal obtainable we provide a ‘G...

Peterkins Solicitors

Peterkins Solicitors

100 Union Street , Aberdeen , Aberdeenshire , AB10 1QR 01224 455089

We will prevent time and problems by arranging a free, confidential appointment with our devoted mortgage adviser. We will clarify the deserves of many various kinds of mortgages accessible. And, by l...

Bank of Scotland

Bank of Scotland

48 Upperkirkgate , Aberdeen , AB10 1BA 0345 602 0000

For over 320 years, Bank of Scotland has supported the people, businesses and communities of Scotland. We are a financial partner to our customers through our network of branches, internet banking and...

Royal Bank of Scotland

Royal Bank of Scotland

78 Union St , Aberdeen , AB10 1HH 0345 724 2424

The Royal Bank of Scotland PLC offers many services including loans, mortgages, financial advice and foreign exchange....

HSBC Bank plc

HSBC Bank plc

95-99, Union St , Aberdeen , Aberdeenshire , AB11 6BD 0345 740 4404

HSBC is a high street bank with branches all over the UK. They offer various services including financial advice, loans, mortgages and insurance. It is one of the world's largest banking and finan...

Cox & Co

Cox & Co

38 Holburn St , Aberdeen , AB10 6BT 01224 580444

Cox & Co are independent grasps mortgage brokers, letting & property brokers, and specialists in buy-to-let portfolio construction. We offer knowledgeable mortgage recommendation proper throug...

Nationwide Building Society

Nationwide Building Society

133-141 Union St , Aberdeen , AB11 6BH 0800 554 0933

As a mutual, we’re owned by and run for, the advantage of our members* – that means we’re free to reinvest extra of our earnings into better services and products. Final yr alone, we paid again ...

Midas Financial Solutions Scotland Ltd

Midas Financial Solutions Scotland Ltd

18 Little Belmont St , Aberdeen , Aberdeenshire , AB10 1JG 01224 649911

...

Barclays Bank plc

Barclays Bank plc

163-165, Union St , Aberdeen , Aberdeenshire , AB11 6SL 0345 734 5345

Barclays Bank PLC is a high street bank with branches throughout the UK. They offer many services including personal banking, loans and advice when purchasing a home or a car....

Santander

Santander

171-173 Union St , Aberdeen , AB11 6WT 0800 912 3123

Santander provide a wide range of banking services, from current and savings accounts to loans, credit cards and mortgages....

Prosperity Mortgages

Prosperity Mortgages

7 Queens Gardens , Aberdeen , AB15 4YD 01224 516888

An expert and personalized pleasant service, devoted to serving to you discover the very best Mortgage. Equally necessary we are going to assist you on Holistic Safety, defending you from all angle...

City Financial

City Financial

27 Chapel St , Aberdeen , AB10 1SQ 01224 650610

As a neighborhood firm serving the North of Scotland, with places of work in Aberdeen, Inverness, and Ellon, we can be found seven days every week to satisfy in particular person with our clients on t...

Mortgage Advisor Aberdeen

Mortgage Advisor Aberdeen

11 Chapel St , Aberdeen , AB10 1SQ 01224 947860

...

Williams & Duxbury

Williams & Duxbury

Suite B1, 5, Golden Square , Aberdeen , AB10 1RD 01224 631333

Over 20 years Experience. Local Friendly service....

Skipton Building Society

Skipton Building Society

230 Union St , Aberdeen , AB10 1TL 01224 647532

Skipton Building Society is a building society with branches nationwide specialising in investments and long term saving plans....

Yorkshire Building Society

Yorkshire Building Society

355 Union St , Aberdeen , AB11 6BT 01224 432003

At the current time, we ask that you only visit our branches and agencies to carry out essential transactions. Visit our website to find out what essential transactions are, how you can manage your fi...

William A Mackie & Co

William A Mackie & Co

8 St. Marys Place , Aberdeen , AB11 6HL 01224 726960

William A Mackie & Co have been giving Financial and Wealth Administration recommendation for 30 years, to shoppers from the Shetland Islands to the South of England. It's inside our remit to supp...

Fine Plan Ltd

Fine Plan Ltd

Cowdray House, 102, Crown St , Aberdeen , AB11 6HJ 01224 765365

...


If you are looking for mortgage brokers in Aberdeen, then you are in the right place. We are an online directory of mortgage brokers in the United Kingdom brokers who will assist you with the complete process of credit and mortgage in Aberdeen.

All the mortgage brokers in Aberdeen available on our directory are fully authorized and regulated by the financial conduct authority. They will offer complete mortgage in Aberdeen solutions including mortgage in Aberdeen advice, protection advice, and all other mortgage-related financial services. You can filter your search as per your occupation too. It does not matter if you are self-employed, employed or business owner, you can search for a broker with the needed expertise.

Getting a mortgage in Aberdeen is one of the riskiest financial decisions of your life if not executed with prudence. It involves huge risks added with complex terms and conditions. Hence, it is important to get it done the right way. For a first time buyer, it is even more complicated.

The following guide will help you ascertain if you should get a mortgage in Aberdeen advisor when to seek advice, where to get free mortgage in Aberdeen advice, how your bank might be able to help, and which comparison websites you can check.

How to choose the right mortgage in Aberdeen?

Mortgage in Aberdeen advice: Yes or no?

Risks of not getting mortgage in Aberdeen advice.
Speak to your bank and people you know
When to approach a mortgage in Aberdeen adviser
Browse through different websites
Factors to be considered before choosing a mortgage in Aberdeen

How to choose the right mortgage in Aberdeen?

The mortgage in Aberdeen market is incredibly competitive and fluctuating at the same time. With so many different products and options available from various providers, it gets quite difficult to come to a decision while selecting the best option for you. If you are among first-time buyers, everything is sure to go over your head.

However, there is no need to panic. The best and first is to approach your bank as well as a few independent mortgage in Aberdeen advisors, to see what they have to offer. These initial discussions will give an idea of what the market is currently offering, how it all works, and which are the options that could serve your best. They will also help you learn about the different mortgage in Aberdeen and protection features.

Given below is a guide that will navigate you through all the steps to help you study your options carefully before making a final decision.

Mortgage in Aberdeen advice: Yes or no?

It is always a good idea to get in touch with an advisor.

The Financial Conduct Authority of UK mandates every Lender (banks and financial institutions) and mortgage broker in Aberdeen to offer advice before recommending any mortgage for you.

Before giving out any suggestions, they will assess the level of mortgage in Aberdeen repayments you will be able to afford by analyzing your total income, debt consolidation, and day-to-day spending. They will do the required calculation and adjustment to determine the amount of mortgage in Aberdeen credit that suits your needs and financial capabilities to be able to keep up repayments on time.

Is it mandatory to go with your broker’s advice?

It is not mandatory to choose what your lender or broker suggests to you. You can select your deal as per your independent research and study too. Taking advice will definitely help you gain clear insights into all the aspects of the terms and conditions of the credit. It will provide you with the requisite answers you are seeking to select the best mortgage in Aberdeen for you.

When you choose your own mortgage in Aberdeen without seeking any kind of financial advice it’s termed as an “execution-only” application.

Risks of not getting mortgage in Aberdeen advice

It is an act of prudence to do your homework before availing of any financial services from your mortgage broker in Aberdeen. So, gather your financial information before you talk to lenders or brokers. the list of details that need to be ascertained is given as under:

If you are employed, then have your P60 forms (last 2 years) and last three payslips ready with you.
For self-employed people, have your tax returns duly certified by an accountant or professional adviser
Source of income: Take into account your income from all sources including regular, irregular, investments, and speculative income.

Evidence of daily expenses
Evidence of debts
You future affordability: This checks how you would be able to afford if there is an increase in the interest rate in the future
If you avail of a mortgage on the advice of your mortgage broker in Aberdeen, which turns out to be unsuitable for you later on, then you’ll have more rights when you make a complaint. You will enjoy the right to make a complaint of financial mis-selling if the advice you were given turned out to be unsuitable for you.

However, if you do not take any advice from your mortgage in Aberdeen advisor and go for it based on your independent research, you have to take full responsibility for your mortgage in Aberdeen decision if the same turns out to be unsuitable in the future.

Consequences of nontaking mortgage in Aberdeen advice:

If you end up with the wrong mortgage, you won’t enjoy any right to make a complaint of mis-spelling. your mortgage in Aberdeen will turn into bad credit and it will prove to be a financial disaster for you.
You might be rejected by your lender for selecting a mortgage in Aberdeen, which is not suitable as per your financial capabilities.
Hence, taking a decision after availing advice from your mortgage in Aberdeen advisors is the best choice especially for a first-time buyer if you want to avoid bad credit later on.

Speak to your bank and people you know

Speaking to your banks is always a good starting point because they know your financial situation inside out. They will always advise you with the best commercial mortgages to go for depending on your needs. They do not charge any fee for their advice as it is a part of their customer service.

You can also talk to their friend and colleagues to learn about their mortgages. They can brief you on the terms and conditions. You can see how their products stack up against the competition before making a final choice.

When to approach a mortgage in Aberdeen adviser?

A mortgage broker in Aberdeen or advisor is a specialist in mortgages in Aberdeen and possess in-depth knowledge of the market. They have the expertise and experience to study a wide range of mortgage in Aberdeen products before suggesting the best option.

It’s a good idea to speak to a few of them to know about the offers prevailing in the market.

There are three main types of mortgage in Aberdeen advisors in the market:

Advisors tied to a specific lender: They would provide you with mortgage in Aberdeen advice and deals from a specific lender only. they will not look at a wide range of options for you. They generally provide free mortgage in Aberdeen advice.
Tied to a limited list of lenders: As compared to a specific one, they would offer you financial solutions from a set of few lenders.
Not specific to any lender: They would look at various products from the whole market and provide you with a wide range of options based on your individual needs.
Advantages of using an advisor:
They’ll advise you based on your financial capability to make repayments on your mortgage in Aberdeen, thus ensuring income protection.
They can offer you attractive deals and offers, which are otherwise not available if you search for a mortgage in Aberdeen independently.
They will assist you with the paperwork, help you understand all the terms and conditions properly. Your applications get processed and approved faster.
They’ll help you take all the costs and features of the mortgage in Aberdeen into account, beyond the interest rate.
They should only recommend a mortgage in Aberdeen that is suitable for you and will tell you which ones you’re likely to get
You will enjoy protection in the future if the mortgage in Aberdeen proves unsuitable to you.
Finding a mortgage in Aberdeen advisor

Following are some of the top websites for finding details about mortgage in Aberdeen advisors in Aberdeen and other parts of the UK

Cherryfind.co.uk
bmadvisers.co.uk
landc.co.uk
Unbiased.co.uk
VouchedFor.co.uk
capitalfortune.com

Fees and charges

The fees and charges of a Mortgage in Aberdeen advisor will depend on the type of financial solutions and services you avail of. It also depends on the type of product you choose and the value of the mortgage in Aberdeen.

Some lender specific advisors may provide free advisory services because they receive a commission from their lenders on approved deals.

They will tell you the amount of fee they will charge and there won’t be in any hidden cost.

Once your broker makes a product recommendation they must give you a mortgage in Aberdeen illustration document(s). This document outlines the terms and conditions of the mortgage in Aberdeen along with the details of the loan. As it contains all the key facts on the mortgage in Aberdeen, it is usually called a key facts illustration.

European Standard Information Sheet
The European Standard Information Sheet provides s standard format of pre-contractual information that needs to be provided by a lender while issuing a mortgage in Aberdeen. The Mortgages Conduct of Business (MCOB) rules of FCA mandates every lender provide this document to their clients.

Factors to be considered before choosing a mortgage in Aberdeen:

What most people look for while going for a mortgage in Aberdeen is a low-interest rate. However, there are many other important factors that need to be considered before making a choice.

Some of the important factors are listed as under:

APRC: (Annual Percentage Rate of Charge): APRC is calculated by expressing the amount of mortgage in Aberdeen fees and interest rate as a percentage.
Deposit size: Generally lower interest rates are available with higher deposit amounts.
The standard rate: It is the rate your mortgage in Aberdeen will switch to once the fixed-rate deal ends.
Duration of interest?: Whether interest will be charged daily, monthly, or annually? Daily interest generally works out cheaper.
Flexibility of repayments: Can you overpay your mortgage in Aberdeen before time without being charged? Can you take a break from making payments if at any time you are amidst a financial crisis?

WhatsApp

Email us