Mortgage Brokers in Luton

Total Result 26 - Page 1

Modesty Financial Consultants Ltd

Modesty Financial Consultants Ltd

25 Brunswick St , Luton , LU2 0HF 01582 269978

Modesty Financial Consultants are specialists in Residential, Buy-to-Let, Business, and Semi-commercial mortgages. We provide bespoke mortgage providers to all classes of debtors and property traders,...

Seven Star Finance Ltd

Seven Star Finance Ltd

22 King St , Luton , LU1 2DP 01582 400881

...

Zebra Mortgage Centre

Zebra Mortgage Centre

1 Union St , Luton , LU1 3AN 01582 450000

Our expertise and information might help you discover the appropriate possibility the first time and our sturdy relationship with lenders implies that we will get your utility agreed and processed in ...

Mortgage Direct

Mortgage Direct

7a Wellington St , Luton , LU1 2QH 01582 485485

...

Santander

Santander

54-56 George St , Luton , LU1 2AB 0800 912 3123

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

Nationwide Building Society

Nationwide Building Society

77/79 George St , Luton , LU1 2AP 0800 554 0656

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 ...

Lloyds Bank

Lloyds Bank

60 George St , Luton , LU1 2BB 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, ...

Barclays Bank plc

Barclays Bank plc

28 George St , Luton , LU1 2AX 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....

NatWest Bank plc

NatWest Bank plc

31 George St , Luton , LU1 2YN 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....

Lamac

Lamac

Stuart St , Luton , LU1 2SJ 01582 868621

...

A-Plan Life Insurance

A-Plan Life Insurance

39 Upper George Street , Luton , LU1 2RD 01582 355681

We have now a historical past of over 40 years serving individuals discover the perfect coverage and premiums for his or her wants. Being a complete unbiased adviser we can analyze the entire marketpl...

The Co-operative Bank

The Co-operative Bank

2/6 Alma St , Luton , LU1 2PL 01582 410342

The Co-operative Bank PLC provides a wide range of financial services. They also have ATM machines for cash withdrawal and statement services....

The Mortgage Centre - Luton

The Mortgage Centre - Luton

960 Capability Green , Luton , LU1 3PE 0808 169 9753

The Mortgage Centre mortgage brokers in Luton, UK....

Gavin Wells Consulting

Gavin Wells Consulting

77 Old Bedford Rd , Luton , LU2 7PF 01582 419888

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Mansfield Begbie Associates Ltd

Mansfield Begbie Associates Ltd

36 Holmbrook Avenue , Luton , LU3 2AS 01582 582643

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Manor Bridge Direct

Manor Bridge Direct

79 Alexandra Avenue , Luton , LU3 1HE 07931 313746

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Globe Financial Planning

Globe Financial Planning

195 Old Bedford Rd , Luton , LU2 7EH 01582 655333

Globe Financial Planning is a younger rising enterprise that has invested in refined know-how to help us in offering an expert and complete service enabling us to cowl as a lot of the marketplace as a...

Capital Manor Financial Advisors Ltd

Capital Manor Financial Advisors Ltd

17 Manor Rd, Caddington , Luton , LU1 4EE 01582 414514

Our Administrators and Mortgage Dealer, have intensive collective expertise of over 30 years within the financial service sector. Capital Manor Financial Advisors Ltd was shaped to give clients a ver...

Carpathian Finance Ltd

Carpathian Finance Ltd

390a Leagrave Road , Luton , LU3 1RG 01582 700388

We serve customers across Hertfordshire and Bedfordshire. Get in touch with us today for more details about our independent advice for first-time buyers, homeowners, buy-to-let landlords and those loo...

Town & Country Mortgage Services Ltd

Town & Country Mortgage Services Ltd

210 The Village Great Marlings , Luton , LU2 8DL 01582 421320

...


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

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

How to choose the right mortgage in Luton?

Mortgage in Luton advice: Yes or no?

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

How to choose the right mortgage in Luton?

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

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

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

Risks of not getting mortgage in Luton advice

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

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

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

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

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

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

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