Mortgage Brokers in Lancashire

Total Result 92 - Page 1

Mortgage & Protection Services

Mortgage & Protection Services

14, Whitworth House, 53, Whitworth St , Manchester , Lancashire , M1 3WS 0161 247 7922

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The Mortgage Point Ltd,

The Mortgage Point Ltd,

283 Deansgate , Manchester , Lancashire , M3 4EW 0161 832 3333

The Mortgage Point offer a range of financial services including the administering of 100% and adverse mortgages....

Funding Options

Funding Options

340 Deansgate , Manchester , Lancashire , M3 4LY 0843 5047841

We efficiently match small companies like yours to completely different lenders day by day. Whether or not it is enterprise loans, industrial mortgages, bill financing, asset leasing, development fina...

HSBC Bank plc

HSBC Bank plc

2-4, St. Anns Square , Manchester , Lancashire , M2 7HD 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...

moneyextra.com

moneyextra.com

first floor, City Wharf, New Bailey St , Salford , Lancashire , M3 5ER 0845 0777085

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HCP Finance Ltd

HCP Finance Ltd

Hill Quay, 14, Commercial St , Manchester , Lancashire , M15 4PZ 0845 519 0686

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ASC Finance for Business

ASC Finance for Business

Piccadilly House, 49, Piccadilly , Manchester , Lancashire , M1 2AP 0161 826 9394

ASC Finance for Business helps companies and entrepreneurs, all through the UK get hold of finance, whether or not it's enterprise finance, company finance, property finance, or working capital and ex...

Auction Finance Ltd

Auction Finance Ltd

Bracken House, Charles St , Manchester , Lancashire , M1 7BD 0161 276 2820

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Finance Matters

Finance Matters

21 Pattishall Close , Manchester , Lancashire , M4 7DU 07818 046228

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A H Finance Ltd

A H Finance Ltd

163 Wilmslow Rd , Manchester , Lancashire , M14 5AP 0161 870 2505

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Independent Mortgage Services

Independent Mortgage Services

432a, Barlow Moor Rd , Manchester , Lancashire , M21 8AD 0161 860 6000

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Malik Finance

Malik Finance

10-12 Slade Lane , Manchester , Lancashire , M13 0QE 0161 256 3220

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Rauf Wellington Financial Services

Rauf Wellington Financial Services

137 Willbraham Rd , Manchester , Lancashire , M14 7DS 0844 2488210

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HSBC Bank plc

HSBC Bank plc

577-579, Wilbraham Road, Chorlton Cum Hardy , Manchester , Lancashire , M21 9AH 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...

Barclays Bank plc

Barclays Bank plc

587 Wilbraham Road , Manchester , Lancashire , M21 9AL 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....

Funding for Business Ltd

Funding for Business Ltd

New Maxdov House, 130, Bury New Rd, Prestwich , Manchester , Lancashire , M25 0AA 0161 425 7525

Funding For Business Ltd is a revolutionary supplier of funding options for small to medium-sized enterprises. Performing as a middleman we independently supply enterprise finance and supply varied en...

Bankfoot Financial Services Ltd

Bankfoot Financial Services Ltd

114 Butterstile Lane, Prestwich , Manchester , Lancashire , M25 9PT 0161 773 5393

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UK Mortgage Centre Ltd

UK Mortgage Centre Ltd

Hollinwood Business Centre, Albert St , Oldham , Lancashire , OL8 3QP 0800 0431807

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HSBC Bank plc

HSBC Bank plc

760 Wilmslow Road, Didsbury , Manchester , Lancashire , M20 2DP 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...


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

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

How to choose the right mortgage in Lancashire?

Mortgage in Lancashire advice: Yes or no?

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

How to choose the right mortgage in Lancashire?

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

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

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

Risks of not getting mortgage in Lancashire advice

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

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

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

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

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

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

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