Mortgage Brokers in Cheshire

Total Result 66 - Page 1

Liz Kay Mortgages Ltd

Liz Kay Mortgages Ltd

108 Ashley Drive, Bramhall , Stockport , Cheshire , SK7 1ES 0161 439 2674

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Mortgage Force

Mortgage Force

Flat 19, Central 5, Wharf Rd , Sale , Cheshire , M33 2ZJ 0161 973 1388

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The Mortgage Finder

The Mortgage Finder

44 Bollington Rd , Stockport , Cheshire , SK4 5ER 0800 7838114

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The UK Mortgage Warehouse

The UK Mortgage Warehouse

24 Alston Avenue , Sale , Cheshire , M33 4AS 0800 0155168

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Ashley Law (Didsbury)

Ashley Law (Didsbury)

28 Winstanley Rd , Sale , Cheshire , M33 2AR 0161 610 2668

Our Firm specializes in head to head, high quality, skilled Impartial Financial Recommendation which you can believe! We provide a complete monetary planning service for all of your funding and saf...

Elite Financial Planning Consultants

Elite Financial Planning Consultants

25 Finsbury Rd , Stockport , Cheshire , SK5 6EZ 0161 442 4350

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Signature Mortgages

Signature Mortgages

43-47, Middle Hillgate , Stockport , Cheshire , SK1 3DG 0870 7336767

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Money Results

Money Results

Stockport Road, Timperley , ALTRINCHAM , Cheshire , WA15 7UQ 033 3240 0023

Money Results is a number one life insurance coverage dealer within the UK, established in 2008. We imagine everybody deserves to have peace of thoughts in understanding that their family members are ...

Skipton Building Society

Skipton Building Society

44 School Rd , Sale , Cheshire , M33 7XE 0161 973 3706

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

First Choice Finance

First Choice Finance

The Old Courtyard, 103 Buxton Road, High Lane, Stockport, Cheshire, SK6 8DX 0333 240 7875

First Choice Finance has been arranging loans, mortgages and remortgages for consumers across the UK for over 25 years. To make sure you are happy with any offer our lenders make you will be provided ...

HSBC Bank plc

HSBC Bank plc

15 High St , Congleton , Cheshire , CW12 1BJ 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...

Mortgages Made Simple

Mortgages Made Simple

Lovell House, 412, The Quadrant, Birchwood Park, Birchwood , Warrington , Cheshire , WA3 6FW 01925 694354

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HSBC Bank plc

HSBC Bank plc

11 Bridge St , Warrington , Cheshire , WA1 2EY 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...

Alexandra Associates (UK) Ltd

Alexandra Associates (UK) Ltd

727 Knutsford Rd, Latchford , Warrington , Cheshire , WA4 1JY 0845 2001727

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Barclays Bank plc

Barclays Bank plc

1 Dewhurst Rd, Birchwood Centre, Birchwood , Warrington , Cheshire , WA3 7PG 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....

Impact Funding UK

Impact Funding UK

6800 Daresbury Park, Daresbury , Warrington , Cheshire , WA4 4GE 01928 793594

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Independent Mortgage Services Ltd

Independent Mortgage Services Ltd

56 High St , Runcorn , Cheshire , WA7 1AW 01928 566555

Independent Mortgage Services Independent Mortgage Advice on full range of mortgages...

Regency Financial Services UK

Regency Financial Services UK

15 Regency Park , Widnes , Cheshire , WA8 9PH 0151 420 1192

Fully FCA authorized Independent Mortgage and Insurance Brokers in enterprise since 2005. We are able to cope with clients from all geographical areas within the UK and abroad. We are able to supply r...

RGF Associates

RGF Associates

74 Victoria Road , WIDNES , Cheshire , WA8 7RA 0151 424 7933

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Opus Mortgages Ltd

Opus Mortgages Ltd

Castle Chambers, 19a, Chester Rd , Northwich , Cheshire , CW8 1HA 0800 0112909

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If you are looking for mortgage brokers in Cheshire, 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 Cheshire.

All the mortgage brokers in Cheshire available on our directory are fully authorized and regulated by the financial conduct authority. They will offer complete mortgage in Cheshire solutions including mortgage in Cheshire 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 Cheshire 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 Cheshire advisor when to seek advice, where to get free mortgage in Cheshire advice, how your bank might be able to help, and which comparison websites you can check.

How to choose the right mortgage in Cheshire?

Mortgage in Cheshire advice: Yes or no?

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

How to choose the right mortgage in Cheshire?

The mortgage in Cheshire 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 Cheshire 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 Cheshire 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 Cheshire 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 Cheshire to offer advice before recommending any mortgage for you.

Before giving out any suggestions, they will assess the level of mortgage in Cheshire 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 Cheshire 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 Cheshire for you.

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

Risks of not getting mortgage in Cheshire advice

It is an act of prudence to do your homework before availing of any financial services from your mortgage broker in Cheshire. 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 Cheshire, 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 Cheshire advisor and go for it based on your independent research, you have to take full responsibility for your mortgage in Cheshire decision if the same turns out to be unsuitable in the future.

Consequences of nontaking mortgage in Cheshire 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 Cheshire 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 Cheshire, which is not suitable as per your financial capabilities.
Hence, taking a decision after availing advice from your mortgage in Cheshire 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 Cheshire adviser?

A mortgage broker in Cheshire or advisor is a specialist in mortgages in Cheshire and possess in-depth knowledge of the market. They have the expertise and experience to study a wide range of mortgage in Cheshire 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 Cheshire advisors in the market:

Advisors tied to a specific lender: They would provide you with mortgage in Cheshire 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 Cheshire 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 Cheshire, thus ensuring income protection.
They can offer you attractive deals and offers, which are otherwise not available if you search for a mortgage in Cheshire 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 Cheshire into account, beyond the interest rate.
They should only recommend a mortgage in Cheshire 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 Cheshire proves unsuitable to you.
Finding a mortgage in Cheshire advisor

Following are some of the top websites for finding details about mortgage in Cheshire advisors in Cheshire 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 Cheshire 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 Cheshire.

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 Cheshire illustration document(s). This document outlines the terms and conditions of the mortgage in Cheshire along with the details of the loan. As it contains all the key facts on the mortgage in Cheshire, 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 Cheshire. 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 Cheshire:

What most people look for while going for a mortgage in Cheshire 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 Cheshire 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 Cheshire 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 Cheshire before time without being charged? Can you take a break from making payments if at any time you are amidst a financial crisis?

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