Mortgage Brokers in Bradford

Total Result 40 - Page 1

Mortgages by Saika Khan

Mortgages by Saika Khan

169 Killinghall Rd , Bradford , BD3 8AA 07510 989947

Fully qualified, independent mortgage broker. Sunday - By appointment only....

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Pulsar Financial Services

Pulsar Financial Services

Hope Park Business Centre, Hope Park , Bradford , BD5 8HB 0330 122 5022

Hello, I’m Gavin, and I'm a professional impartial mortgage and insurance coverage adviser. I've been advising shoppers all through the UK for over 13 years, and I’ve handled each sort of mortgage...

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MFM Islamic Mortgage Co

MFM Islamic Mortgage Co

1 Water Lane , Bradford , BD1 2JL 0845 539 0053

MFM Islamic Mortgage Co gives viable options to Curiosity bearing mortgages, these mortgages have been authorized by main Islamic students and are totally Sharia Compliant. The banks we have now entry...

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Her Merchants Service

Her Merchants Service

Merchant House, 19, Peckover St , Bradford , BD1 5BD 0333 011 0897

HER MERCHANTS SERVICE provide low cost payment solutions to the retail sector with taylor made solutions that are designed specifically to assist small to medium sized businesses....

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FastTrack Mortgages

FastTrack Mortgages

89-93 Manningham Lane , Bradford , BD1 3BN 01274 962606

Fasttrack Mortgages Ltd wants to take this chance to introduce you to our mortgage and insurance coverage companies. Even on this present difficult monetary local weather, we're putting purposes fo...

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Mortgage Source Ltd

Mortgage Source Ltd

53 Killinghall Rd , Bradford , BD3 8DN 01274 662509

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Mortgage Advice Bureau

Mortgage Advice Bureau

45-47 Godwin St , Bradford , BD1 2SH 01274 393955

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Alexander Financial Solutions

Alexander Financial Solutions

7 Park Close, Drighlington , Bradford , BD11 1AX 0113 219 4950

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Mortgage Masters

Mortgage Masters

214 Manningham Lane , Bradford , BD8 7DT 01274 928423

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Stephen Abbott Financial Services

Stephen Abbott Financial Services

471 Great Horton Rd , Bradford , BD7 3DL 01274 576400

I'm a part of 2plan wealth administration which is a nationwide advisory agency consisting of Financial Advisers and mortgage and safety specialists. Working with 2plan permits me to give you all t...

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Total Mortgage Solutions

Total Mortgage Solutions

241 Manningham Lane , Bradford , BD8 7ER 0845 458 1899

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Lloyds Bank

Lloyds Bank

983 Leeds Rd , Bradford , BD3 7ND 0345 602 1997

Lloyds Bank is proud to serve the people, businesses and communities of Britain. Lloyds Bank is one of the UK’s leading retail and commercial banks, with high-street branches, award-winning online, ...

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Meridian Wealth Management Ltd

Meridian Wealth Management Ltd

Unit 1 Robin Mills 5 Leeds Rd, Idle , Bradford , BD10 9TE 01274 620702

The practice was established in 2004. We've got a workforce of financial advisers with a few years of business expertise between them, which incorporates consultants who concentrate on each the priva...

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Yorkshire Finance & Insurance Services

Yorkshire Finance & Insurance Services

1st floor, Unique House, Napier Terrace , Bradford , BD3 8DD 01274 656753

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Whitney's Estate Agents Ltd

Whitney's Estate Agents Ltd

391 Thornton Rd, Thornton , Bradford , BD13 3JN 01274 830484

Whitney's Financial Services Ltd Straight authorized and controlled by the Financial Conduct Authority As unbiased mortgage advisors, we are going to search the UK mortgage market on your behalf...

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Santander

Santander

2 Darley St , Bradford , BD1 3HR 0800 912 3123

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

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Royal Bank of Scotland

Royal Bank of Scotland

45/47 Bank Street , Bradford , BD1 1TS 0345 724 2424

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

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Halifax

Halifax

28 Bank St , Bradford , BD1 1EE 0345 720 3040

Halifax is a unique bank on the high street. Halifax colleagues go the extra mile to make things easier for customers, removing barriers and complexity from their everyday lives whether in a branch, o...

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Nationwide Building Society

Nationwide Building Society

1 Tyrrel St , Bradford , BD1 1RU 0800 554 0837

As a mutual, we’re owned by, and run for, the good thing about our members* – that means we’re free to reinvest extra of our income into enhancing services and products. Last year alone, we paid...

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In case you are on the lookout for mortgage brokers in Bradford, then you’re in the appropriate place. We’re a web-based listing of mortgage brokers in the UK brokers who will help you with the whole means of credit score and mortgage.

All of the mortgage brokers accessible on our listing are absolutely approved and controlled by the financial conduct authority. They’ll supply full mortgage options together with mortgage recommendation, safety recommendation, and all different mortgage-related financial providers. You possibly can filter your search as per your occupation too. It doesn’t matter if you’re self-employed, employed or enterprise proprietor, you possibly can seek for a dealer with the wanted experience.

Getting a mortgage is without doubt one of the riskiest financial selections of your life if not executed with prudence. It includes large dangers added with advanced phrases and situations. Therefore, it is very important to get it finished appropriately. For a primary time buyer, it’s much more sophisticated.

The next information will assist you to verify if you happen to ought to get a mortgage advisor when to hunt recommendation, the place to get free mortgage recommendation, how your financial institution would possibly be capable of assist, and which comparability web sites you possibly can examine.

How to decide on the appropriate mortgage?

Mortgage recommendation: Sure or no?

Dangers of not getting mortgage recommendation.
Converse to your financial institution and folks you understand
When to strategy a mortgage adviser
Flick thru completely different web sites
Components to be thought-about earlier than selecting a mortgage

How to decide on the appropriate mortgage?

The mortgage market is extremely aggressive and fluctuating at a similar time. With so many alternative merchandise and choices accessible from numerous suppliers, it will get fairly tough to decide whereas deciding on the most suitable choice for you. In case you are amongst first-time consumers, every part is bound to go over your head.

Nonetheless, there isn’t a must panic. The perfect and first is to strategy your financial institution in addition to several impartial mortgage advisors, to see what they’ve to supply. These preliminary discussions will give a thought of what the market is at the moment providing, the way it all works, and that are the choices that would serve your greatest. They may even assist you to study in regards to the completely different mortgage and safety options.

Given beneath is information that may navigate you thru all of the steps that can assist you to research your choices fastidiously earlier than making a closing choice.

Mortgage recommendation: Sure or no?

It’s all the time a good suggestion to get in contact with an advisor.

The Financial Conduct Authority of UK mandates each Lender (banks and financial establishments) and mortgage dealer to supply recommendations earlier than recommending any mortgage for you.

Earlier than giving out any ideas, they’ll assess the extent of mortgage repayments it is possible for you to afford by analyzing your whole revenue, debt consolidation, and day-to-day spending. They’ll do the required calculation and adjustment to find out the quantity of mortgage credit score that fits your wants and financial capabilities to have the ability to sustain repayments on time.

Is it necessary to go along with your dealer’s recommendation?

It’s not necessary to decide on what your lender or dealer suggests to you. You possibly can choose your deal as per your impartial analysis and research too. Taking recommendations will certainly assist you to acquire clear insights into all of the facets of the phrases and situations of the credit score. It can give you the requisite solutions you’re looking for to pick out the perfect mortgage for you.

If you select your individual mortgage without looking for any sort of financial recommendation it’s termed as an “execution-only” software.

Dangers of not getting mortgage recommendation

It’s an act of prudence to do your homework earlier than availing of any financial providers out of your mortgage dealer. So, collect your financial info earlier than you speak to lenders or brokers. the record of particulars that have to be ascertained is given as beneath:

In case you are employed, then have your P60 kinds (final 2 years) and the final three payslips prepared with you.
For self-employed individuals, have your tax returns duly licensed by an accountant or skilled adviser
Supply of revenue: Keep in mind your revenue from all sources together with common, irregular, investments, and speculative revenue.

Proof of each day bills
Proof of money owed
You future affordability: This checks how you’ll be capable of affording if there is a rise within the rate of interest sooner or later
When you avail of a mortgage on the recommendation of your mortgage dealer, which seems to be unsuitable for you in a while, you then’ll have extra rights if you make a criticism. You’ll get pleasure from the appropriate to criticize financial mis-selling if the recommendation you got turned out to be unsuitable for you.

Nonetheless, if you don’t take any recommendation out of your mortgage advisor and go for it primarily based on your impartial analysis, you need to take full duty on your mortgage choice if the identical seems to be unsuitable sooner or later.

Penalties of non taking mortgage recommendation:

If you find yourself with the incorrect mortgage, you gained’t get pleasure from any proper to criticize mis-spelling. your mortgage will flip into weak credit and it’ll show to be a financial catastrophe for you.
You are likely to be rejected by your lender for choosing a mortgage, which isn’t appropriate as per your financial capabilities.
Therefore, taking a choice after availing recommendation out of your mortgage advisors is your best option particularly for a first-time purchaser if you wish to keep away from weak credit in a while.

Converse to your financial institution and folks you understand

Chatting with your banks is all the time an excellent start line as a result of they know your financial state of affairs inside out. They’ll all the time advise you with the perfect industrial mortgages to go for relying on your wants. They don’t cost any charge for his or her recommendation because it is part of their customer support.

You can even speak to their buddy and colleagues to find out about their mortgages. They’ll temporarily you on the phrases and situations. You possibly can see how their products stack up towards the competitors earlier than making a closing alternative.

When to strategy a mortgage adviser?

A mortgage dealer or advisor is a specialist in mortgages and possesses in-depth information on the market. They have got the experience and expertise to check a variety of mortgage merchandise earlier than suggesting the most suitable choice.

It’s a good suggestion to talk to a couple of them to know in regards to the provides prevailing available in the market.

There are three primary kinds of mortgage advisors available in the market:

Advisors tied to a particular lender: They’d give you mortgage recommendations and offers from a particular lender solely. they won’t have a look at a variety of choices for you. They often present a free mortgage recommendation.

Tied to a restricted record of lenders: As in comparison with a particular one, they’d give you financial options from a set of few lenders.

Not particular to any lender: They’d have a look at numerous merchandise from the entire market and give you a variety of choices primarily based on your particular person wants.
Benefits of utilizing an advisor:

They’ll advise you primarily based on your financial functionality to make repayments in your mortgage, thus making certain revenue safety.

They’ll give you enticing offers and provides, that are in any other case not accessible if you happen to seek for a mortgage independently.

They’ll help you with the paperwork, assist you to perceive all of the phrases and situations correctly. Your functions get processed and accepted sooner.

They’ll assist you to take all the prices and options of the mortgage into consideration, past the rate of interest.
They need to solely advocate a mortgage that’s appropriate for you and can inform you which of them you’re prone to get

You’ll get pleasure from safety sooner or later if the mortgage proves unsuitable to you.
Discovering a mortgage advisor

Following are a number of the prime web sites for locating particulars about mortgage advisors in Bradford and different components of the UK

Cherryfind.co.uk
https://www.bmadvisers.co.uk/
https://www.landc.co.uk/
Unbiased.co.uk
VouchedFor.co.uk
https://capitalfortune.com/

Charges and expenses

The charges and expenses of a Mortgage advisor will depend upon the kind of financial options and providers you avail of. It additionally depends upon the kind of product you select and the worth of the mortgage.

Some lender particular advisors might present free advisory providers as a result of they obtain a fee from their lenders on accepted offers.

They’ll inform you the quantity of charge they’ll cost and there gained’t be in any hidden price.

As soon as your dealer makes a product suggestion they need to offer you a mortgage illustration doc(s). This doc outlines the phrases and situations of the mortgage together with the main points of the mortgage. Because it comprises all the important thing information on the mortgage, it’s normally referred to as a key information illustration.

European Commonplace Data Sheet

The European Commonplace Data Sheet offers s normal format of pre-contractual info that must be supplied by a lender whereas issuing a mortgage. The Mortgages Conduct of Business (MCOB) guidelines of FCA mandates each lender to present this doc to their clients.

Components to be thought-about earlier than selecting a mortgage:

What most individuals search for whereas going for a mortgage is a low-interest charge. Nonetheless, numerous different essential elements have to be thought-about earlier than making an alternative.

Among the essential elements are listed as beneath:

APRC: (Annual Percentage Rate of Charge): APRC is calculated by expressing the number of mortgage charges and rate of interest as a proportion.
Deposit measurement: Typically decrease rates of interest can be found with greater deposit quantities.
The usual charge: It’s the charge your mortgage will change to as soon as the fixed-rate deal ends.
Length of curiosity?: Whether or not curiosity will probably be charged each day, month-to-month, or yearly? Day by day curiosity typically works out cheaper.
Flexibility of repayments: Are you able to overpay your mortgage earlier than time without being charged? Can you’re taking a break from making funds if at any time you’re amidst a financial disaster?