Mortgage Brokers in Bristol

Total Result 164 - Page 6

Mortgage Advice Bureau

Mortgage Advice Bureau

101b Bath Rd, Longwell Green , Bristol , BS30 9DD 0117 932 5686

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Blueberry Mortgages Bristol

Blueberry Mortgages Bristol

39 Allington Drive, Barrs Court , Bristol , BS30 7AS 07940 953353

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Meridian Mortages Ltd

Meridian Mortages Ltd

2 South Rd , Bristol , BS15 8JW 0117 907 8836

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Lloyds Bank

Lloyds Bank

41 High St, Hanham , Bristol , BS15 3DQ 0345 602 1997

Lloyds Bank is proud to serve the folks, companies, and communities of Britain. Lloyds Financial institution is likely one of the UK’s main retail and industrial banks, with high-street branches, aw...

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NatWest Bank plc

NatWest Bank plc

778 Fishponds Rd, Fishponds , Bristol , BS16 3TX 0345 788 8444

NatWest is a large high street bank with branches nationwide. They offer various services such as financial advice, loans, mortgages and foreign exchange....

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Wall 2 Wall Finance Ltd

Wall 2 Wall Finance Ltd

44 Bath Hill, Keynsham , Bristol , BS31 1HG 0117 986 0736

We particulalry specialise in unusual property and unusual people! But are happy to help anyone with their requirements from the straightforward to the complex....

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Lloyds Bank

Lloyds Bank

16 Highridge Rd, Bishopsworth , Bristol , BS13 8HA 0345 602 1997

Lloyds Bank is proud to serve the folks, companies, and communities of Britain. Lloyds Financial institution is likely one of the UK’s main retail and industrial banks, with high-street branches, aw...

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Cedar Financial Services

Cedar Financial Services

P.O Box 199, Hanham , Bristol , BS15 3UE 0117 909 9009

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Nationwide Building Society

Nationwide Building Society

27 Regent St, Kingswood , Bristol , BS15 8JX 0800 554 0430

As a mutual, we’re owned by, and run for, the good thing about our members* – which means we’re free to reinvest extra of our income into better services and products. Final 12 months alone, we ...

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Santander

Santander

23 Kings Chase Shopping Centre, Regent St, Kingswood , Bristol , BS15 8LP 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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Apricot for Money

Apricot for Money

64 Downend Rd, Fishponds , Bristol , BS16 5AW 0117 957 1359

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NatWest Bank plc

NatWest Bank plc

90 Regent St , Bristol , BS15 8HS 0345 788 8444

NatWest is a large high street bank with branches nationwide. They offer various services such as financial advice, loans, mortgages and foreign exchange....

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Plan Financial

Plan Financial

510 Bristol Business Park, Coldharbour Lane , Bristol , BS16 1EJ 0117 906 3431

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Chris Wheatley IFA

Chris Wheatley IFA

60a High St, Keynsham , Bristol , BS31 1DX 0117 302 1899

At Chris Wheatley IFA we provide no-obligation, face-to-face preliminary appointments in both our places of work or the consolation and comfort of your individual residence, at a time that's handy to ...

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The Co-operative Bank

The Co-operative Bank

42 Regent St, Kingswood , Bristol , BS15 8JS 0117 960 9711

Costa is a chain of Italian coffee shops offering coffee made the Italian way, slow roasted for 20 minutes for a fuller richer taste. Costa also offers a selection snacks and cakes....

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Fraser Heath Mortgage Services Ltd

Fraser Heath Mortgage Services Ltd

9 Brooklea, Oldland Common , Bristol , BS30 9SD 0117 932 9797

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KPNE Mortgages Ltd

KPNE Mortgages Ltd

63 Grange Close, Bradley Stoke , Bristol , BS32 0AH 07804 491871

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Mortgage (SW) Ltd

Mortgage (SW) Ltd

3 Meadow St, Avonmouth , Bristol , BS11 9AS 0117 373 7073

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Mortgage Advice Bureau

Mortgage Advice Bureau

3 Manor Farm Crescent, Bradley Stoke , Bristol , BS32 9AW 0117 440 7869

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Mortgage Advice Bureau

Mortgage Advice Bureau

Knightwood Court Mead Rd, Stoke Gifford , Bristol , BS34 8PS 0117 967 9240

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If you’re searching for mortgage brokers in Bristol, then you’re in the best place. We’re an internet listing of mortgage brokers in the UK brokers who will help you with the entire technique of credit score and mortgage.

All of the mortgage brokers out there on our listing are absolutely approved and controlled by the financial conduct authority. They are going to provide full mortgage options together with mortgage recommendations, safety recommendations, and all different mortgage-related financial companies. You possibly can filter your search as per your occupation too. It doesn’t matter in case you are self-employed, employed or enterprise proprietor, you may seek for a dealer with the wanted experience.

Getting a mortgage is among the riskiest financial selections of your life if not executed with prudence. It entails large dangers added with advanced phrases and situations. Therefore, you will need to get it accomplished as the best method. For a primary time buyer, it’s much more difficult.

The next information will assist you to verify in case you 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 may verify.

How to decide on the best mortgage?

Mortgage recommendation: Sure or no?

Dangers of not getting mortgage recommendation.
Communicate to your financial institution and folks you realize
When to strategy a mortgage adviser
Flick through totally different web sites
Elements to be thought of earlier than selecting a mortgage

How to decide on the best mortgage?

The mortgage market is extremely aggressive and fluctuating at the identical time. With so many alternative merchandise and choices out there from varied suppliers, it will get fairly tough to decide whereas choosing the best choice for you. If you’re amongst first-time consumers, everything is bound to go over your head.

Nonetheless, there is no such thing as a have to panic. The most effective and first is to strategy your financial institution in addition to a couple of unbiased mortgage advisors, to see what they’ve to supply. These preliminary discussions will give a concept of what the market is at present providing, the way it all works, and that are the choices that might serve your finest. They may also assist you to study concerning the totally different mortgage and safety options.

Given under is information that may navigate you thru all of the steps that will help you research your choices fastidiously earlier than making a remaining resolution.

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 are going to assess the extent of mortgage repayments you can afford by analyzing your whole revenue, debt consolidation, and day-to-day spending. They are going to 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 unbiased analysis and research too. Taking recommendations will certainly assist you to acquire clear insights into all of the features of the phrases and situations of the credit score. It’s going to give you the requisite solutions you’re searching for to pick out the most effective mortgage for you.

Whenever you select your individual mortgage without searching for any form of financial recommendation it’s termed as an “execution-only” utility.

Dangers of not getting mortgage recommendation

It’s an act of prudence to do your homework earlier than availing of any financial companies 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 below:

If you’re employed, then have your P60 types (final 2 years) and 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: Have in mind your revenue from all sources together with common, irregular, investments, and speculative revenue.

Proof of everyday 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 afterward, then you definitely have extra rights if you make a grievance. You’ll take pleasure in the best to make a grievance of 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 unbiased analysis, it’s a must to take full duty to your mortgage resolution if the identical seems to be unsuitable sooner or later.

Penalties of non taking mortgage recommendation:

If you find yourself with a flawed mortgage, you received’t take pleasure in any proper to make a grievance of mis-spelling. your mortgage will flip into below-average credit and it’ll show to be a financial catastrophe for you.
You may 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 the only option particularly for a first-time purchaser if you wish to keep away from below-average credit afterward.

Communicate to your financial institution and folks you realize

Talking to your banks is all the time a great place to begin as a result of they know your financial state of affairs inside out. They are going to all the time advise you with the most effective industrial mortgages to go for relying on your wants. They don’t cost any payment for his or her recommendation because it is part of their customer support.

It’s also possible to speak to their good friend and colleagues to study their mortgages. They’ll temporarily you on the phrases and situations. You possibly can see how their merchandise stacks up in opposition to the competitors earlier than making a remaining alternative.

When to strategy a mortgage adviser?

A mortgage dealer or advisor is a specialist in mortgages and possesses in-depth data on the market. They have the experience and expertise to review a variety of mortgage merchandise earlier than suggesting the best choice.

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

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

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

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

Not particular to any lender: They’d have a look at varied 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 guaranteeing revenue safety.

They’ll give you enticing offers and provides, that is in any other case not out there in case you seek a mortgage independently.

They are going to help you with the paperwork, assist you to perceive all of the phrases and situations correctly. Your functions get processed and accredited sooner.

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

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

Following are among the high web sites for locating particulars about mortgage advisors in Bristol and different elements 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 costs

The charges and costs of a mortgage advisor will depend upon the kind of financial options and companies you avail of. It additionally will depend on the kind of product you select and the worth of the mortgage.

Some lender particular advisors could present free advisory companies as a result of they obtain a fee from their lenders on accredited offers.

They are going to let you know the quantity of payment they are going to cost and there received’t be in any hidden price.

As soon as your dealer makes a product suggestion they have 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 incorporates all the important thing info on the mortgage, it’s normally known as a key info illustration.

European Commonplace Data Sheet

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

Elements to be thought of earlier than selecting a mortgage:

What most individuals search for whereas going for a mortgage is a low-interest charge. Nonetheless, various essential components have to be thought of earlier than making an alternative.

A number of the essential components are listed below:

APRC: (Annual Share Price of Cost): APRC is calculated by expressing the number of mortgage charges and rate of interest as a share.
Deposit measurement: Usually decrease rates of interest can be found with larger 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 likely be charged every 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 be taking a break from making funds if at any time you’re amidst a financial disaster?