Mortgage Brokers in Cleveland

Total Result 27 - Page 1

Mortgage Advice Bureau Middlesbrough

Mortgage Advice Bureau Middlesbrough

146 Linthorpe Road , Middlesbrough , Cleveland , TS1 3RA 01642 386319

We can help in all situations; First time buyers Home Movers Remortgages Buy to Let Credit problems Contact us for a free consultation with a qualified adviser....

HSBC Bank plc

HSBC Bank plc

P.O Box 117, 60, Albert Rd , Middlesbrough , Cleveland , TS1 1RS 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...

Beneficial Finance

Beneficial Finance

25 Corporation Rd , Middlesbrough , Cleveland , TS1 1LP 01642 217031

Beneficial Finance offer various services including financial advice, loans and insurance....

Skipton Building Society

Skipton Building Society

24 Linthorpe Rd , Middlesbrough , Cleveland , TS1 1RD 01642 240222

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

Dean Street Ltd

Dean Street Ltd

Vanguard Suite, Broadcasting House, Newport Rd , Middlesbrough , Cleveland , TS1 5JA 0871 2880856

...

Cleveland Financial Planning LTD

Cleveland Financial Planning LTD

51 Oxford Road , Middlesbrough , Cleveland , TS5 5DY 01642 350045

Gerry Hughes partner of a well established team in the Teeside & North Yorkshire area....

Financial Bliss Ltd

Financial Bliss Ltd

10, Stephenson Court, Skippers Lane , Middlesbrough , Cleveland , TS6 6UT 03309 991976

With over 30 years of mixed expertise within the financial providers business, working for among the largest firms and household names, we've got the experience to know your particular person circumst...

Mortgage Advice Bureau

Mortgage Advice Bureau

Unit E Parkway Centre, Coulby Newham , Middlesbrough , Cleveland , TS8 0TJ 01642 288299

...

MFS (North East) Ltd

MFS (North East) Ltd

88 South Rd , Stockton-On-Tees , Cleveland , TS20 2TB 01642 555177

...

Teeside Money

Teeside Money

4 Wellington Street , STOCKTON-ON-TEES , Cleveland , TS18 1NA 01642 065875

...

HSBC Bank plc

HSBC Bank plc

136 High St , Stockton-On-Tees , Cleveland , TS18 1LR 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...

Mortgage Finders Direct

Mortgage Finders Direct

3 Jesmond Grove , Stockton-On-Tees , Cleveland , TS18 5ES 01642 358438

...

McMillan Financial Services Ltd

McMillan Financial Services Ltd

7 Linden Avenue , Stockton-On-Tees , Cleveland , TS18 4EG 07766 304456

...

Independent Mortgage Solutions

Independent Mortgage Solutions

Embleton House, 1, Embleton Grove, Wynyard , Billingham , Cleveland , TS22 5SY 01740 645596

...

Carol Mitchell Mortgage Services

Carol Mitchell Mortgage Services

10 Paddock Green, Wynyard , Billingham , Cleveland , TS22 5QP 01740 645202

...

Pendant Financial Services

Pendant Financial Services

Evolution, Wynyard Avenue, Wynyard , Billingham , Cleveland , TS22 5TB 01751 417791

Pendant Financial Services gives tailored recommendations coupled with wonderful customer support. We're dedicated to offering skilled, pleasant recommendation primarily based by yourself distinctive ...

The Mortgage Xperts

The Mortgage Xperts

Jubilee House, York Rd , Hartlepool , Cleveland , TS26 9EN 01429 863355

...

PH Financial Ltd

PH Financial Ltd

11 Monmouth Drive, Eaglescliffe , Stockton-On-Tees , Cleveland , TS16 9HU 07866 741098

...

Tees Valley Mortgage Centre Ltd

Tees Valley Mortgage Centre Ltd

10 Lower Church St , Hartlepool , Cleveland , TS24 7DJ 01740 645872

...

Mortgage Centre

Mortgage Centre

26 Milton Street , SALTBURN-BY-THE-SEA , Cleveland , TS12 1DG 01287 626223

...


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

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

How to choose the right mortgage in Cleveland?

Mortgage in Cleveland advice: Yes or no?

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

How to choose the right mortgage in Cleveland?

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

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

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

Risks of not getting mortgage in Cleveland advice

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

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

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

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

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

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

What most people look for while going for a mortgage in Cleveland 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 Cleveland 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 Cleveland 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 Cleveland 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