Mortgage Brokers in Devon

Total Result 30 - Page 1

HSBC Bank plc

HSBC Bank plc

4 Old Town St , Plymouth , Devon , PL1 1DD 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...

Western Mortgage Services Ltd

Western Mortgage Services Ltd

The Money Centre, 1, Drake Circus , Plymouth , Devon , PL1 1QH 01752 236500

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Leach & Burgess IFA

Leach & Burgess IFA

36 New St , Plymouth , Devon , PL1 2NA 01752 666165

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Mortgagebrokersinplymouth

Mortgagebrokersinplymouth

18 Prynne Close , Plymouth , Devon , PL1 5BS 01752 676850

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Justin Lusher Mortages

Justin Lusher Mortages

Unit 3, The Business Centre, 2, Cattedown Rd , Plymouth , Devon , PL4 0EG 01752 264403

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Thorpe Lincoln Mortgage Consultants

Thorpe Lincoln Mortgage Consultants

33 Mary Seacole Rd , Plymouth , Devon , PL1 3JY 01752 547995

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UK Mortgage Brokers

UK Mortgage Brokers

11a, Radford Park Rd , Plymouth , Devon , PL9 9DG 0845 4080400

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Moor Financial Advice

Moor Financial Advice

96 Glendower Rd , Plymouth , Devon , PL3 4LD 01752 417446

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Mark D Scarry

Mark D Scarry

69 Chestnut Rd , Plymouth , Devon , PL3 5UE 01752 776767

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Assist

Assist

5 First Avenue, Billacombe , Plymouth , Devon , PL9 8AP 01752 207023

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Mortgagelounge

Mortgagelounge

206 Elburton Rd , Plymouth , Devon , PL9 8HU 01752 492297

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Devon Mortgages

Devon Mortgages

2 Bowker House, Lee Mill Bridge , Ivybridge , Devon , PL21 9EF 0845 3701240

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Manning & Company

Manning & Company

7 Delamore Park, Cornwood , Nr Ivybridge , Devon , PL21 9QP 0870 0333001

At Manning and Company, we take the time to get to know you. We put you first, all the time, so you are feeling assured, in management, and below no strain. We have been advising clients for over 2...

Moor Financial Advice

Moor Financial Advice

11 Widdicombe Drive , Ivybridge , Devon , PL21 0TR 01752 417446

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Business Connections

Business Connections

Hooppells Torr Barn, Kingston , Kingsbridge , Devon , TQ7 4HA 0845 2570777

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HSBC Bank plc

HSBC Bank plc

Fore St , Sidmouth , Devon , EX10 8AA 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...

HSBC Bank plc

HSBC Bank plc

86 High St , Honiton , Devon , EX14 1JN 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...

Yorkshire Building Society

Yorkshire Building Society

165 Fore Street , Exeter , Devon , EX4 3AT 01392 330796

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Chelsea Building Society

Chelsea Building Society

99 South Street , Exeter , Devon , EX1 1EN 01392 257259

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David Field Wealth Management

David Field Wealth Management

23 Southernhay West , Exeter , Devon , EX1 1PR 07535 697046

As Chartered Financial Planners, we provide a whole service to personal and enterprise clients in all facets of financial planning and recommendation. We provide a face-to-face wealth administration s...


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

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

How to choose the right mortgage in Devon?

Mortgage in Devon advice: Yes or no?

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

How to choose the right mortgage in Devon?

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

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

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

Risks of not getting mortgage in Devon advice

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

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

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

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

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

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

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