Mortgage Brokers in Exeter

Total Result 38 - Page 1

South West Mortgage Brokers

South West Mortgage Brokers

20 Sussex Close , Exeter , EX4 1LP 01392 927327

An impartial & neutral brokerage with a few years' expertise in the UK business mortgage market, our focus is on attaining the very best outcomes for our shoppers. Whether or not you're a new e...

NZM Finance Ltd

NZM Finance Ltd

The Generator Quay House, The Gallery, The Quay , Exeter , EX2 4AN 01769 581703

We provide all our clients a real ‘one-cease store’ facility, our core competence is to supply you a totally managed {and professional} service to safely essentially the most aggressive funding s...

Westexe Mortgage Solutions Ltd

Westexe Mortgage Solutions Ltd

25 Okehampton St , Exeter , EX4 1DY 01392 216344

At Westexe we've got been efficiently serving to property homeowners and patrons, together with First Time Buyers, to realize their goals for over 40 years. A lot of our clients have come again to us ...

The Mortgage Quarter

The Mortgage Quarter

23 Richmond Rd , Exeter , EX4 4JF 01392 660219

Mortgage Advice Bureau can take care of the whole application process, from explaining all of your options and helping you select the right mortgage, to choosing the most suitable protection for you a...

The Mortgage Shop

The Mortgage Shop

Sommerville House, 30, Southernhay East , Exeter , EX1 1NS 01392 666270

At The Mortgage Shop, our wealth of expertise and information will help you discover the best alternative, the first time. Our robust relationship with lenders implies that we can get your software ag...

Thompson Jenner Financial Services Ltd

Thompson Jenner Financial Services Ltd

1 Colleton Crescent , EXETER , EX2 4DG 01395 201408

In 2002, Thompson Jenner created inner financial providers firm as a response to growing numbers of requests from their shoppers for Impartial Financial Recommendation to enhance the wide selection o...

Thompson Jenner LLP

Thompson Jenner LLP

1 Colleton Cresent , Exeter , EX2 4DG 01392 258553

In 2002, Thompson Jenner created an inside financial company firmly as a response to rising numbers of requests from their shoppers for Impartial Financial Recommendation to enhance the wide selection...

A S C Finance For Business

A S C Finance For Business

20 Southernhay West , Exeter , EX1 1PR 01392 423600

Since 1969 ASC has been arranging business finance to people for buy, growth, re-finance, and companion buyout. Enterprise finance is the one service we provide and our experience has enabled us to re...

Virgin Money

Virgin Money

60 South St , Exeter , EX1 1EE 01392 434717

Northern Rock PLC offer various services such as financial advice, loans and mortgages....

Skipton Building Society

Skipton Building Society

79 Fore St , Exeter , EX4 3HR 01392 427800

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

Beerstone Mortgages

Beerstone Mortgages

31-32 Southernhay East , Exeter , EX1 1NX 01392 271391

...

Barr Financial

Barr Financial

1 Barnfield Crescent , Exeter , EX1 1QT 01392 691977

...

Bradleys Financial Management Ltd

Bradleys Financial Management Ltd

47 North St , Exeter , EX4 3QR 01395 222391

...

NatWest Bank plc

NatWest Bank plc

59 High St , Exeter , EX4 3DL 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....

Santander

Santander

53-54 High St , Exeter , EX4 3HE 0800 912 3123

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

Gilbert Stephens Financial Services

Gilbert Stephens Financial Services

Suite A, 15-17 Southernhay East , EXETER , EX1 1QE 01392 346464

Gilbert Stephens Financial Services – Mid, East, and West Devon We're an effectively established Impartial Financial Companies organization providing unbiased financial recommendations througho...

Handelsbanken

Handelsbanken

19 Southernhay West , Exeter , EX1 1PJ 01392 494452

Handelsbanken are a bank which manages a decentralised network of branches across the UK and Europe....

Nationwide Building Society

Nationwide Building Society

2 Bedford St , Exeter , EX1 1LT 0800 554 0428

As a mutual, we’re owned by and run for, the advantage of our members* – that means we’re free to reinvest extra of our earnings into better services and products. Final yr alone, we paid again ...

Michael Tilston - The Mortgage Quarter

Michael Tilston - The Mortgage Quarter

46 Queen St , Exeter , EX4 3SR 07710 546773

...

Lloyds Bank

Lloyds Bank

234 High St , Exeter , EX4 3NL 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, ...


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

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

How to choose the right mortgage in Exeter?

Mortgage in Exeter advice: Yes or no?

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

How to choose the right mortgage in Exeter?

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

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

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

Risks of not getting mortgage in Exeter advice

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

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

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

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

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

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

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