Mortgage Brokers in Shoreham-By-Sea

Total Result 9 - Page 1

Pavilion Mortgages

Pavilion Mortgages

6 Town Quay , Shoreham-By-Sea , BN43 5DS 01273 441221

We're a neighborhood firm and have a few years of financial expertise, our purpose is to serve the local people of Shoreham by sea and the encircling areas. As an organization, we've determined to con...

Mortgage & Remortgage Centre

Mortgage & Remortgage Centre

1 Sussex Wharf , Shoreham-By-Sea , BN43 5PS 07711 142240

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Number One Mortgages Ltd

Number One Mortgages Ltd

378 Brighton Rd , Shoreham-By-Sea , BN43 6RE 01273 736536

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Pembroke Financial Services Ltd

Pembroke Financial Services Ltd

Marlborough House, 102-110, High St , Shoreham-By-Sea , BN43 5DB 01273 774855

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Santander

Santander

35-37 High St , Shoreham-By-Sea , BN43 5DD 0800 912 3123

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

Hilton Sharp & Clarke Financial Services Ltd

Hilton Sharp & Clarke Financial Services Ltd

102-110 High St , Shoreham-By-Sea , BN43 5DB 01273 710404

Established in 2005, HSC Financial Services is the Financial Planning arm of Hilton Sharp & Clarke, the main impartial agency of Chartered Accountants in Brighton and Hove. We provide recommend...

NatWest Bank plc

NatWest Bank plc

21 East St , Shoreham-By-Sea , BN43 5ZP 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....

Pebble Independent Financial Services Ltd

Pebble Independent Financial Services Ltd

136 Beach Green , Shoreham-By-Sea , BN43 5YA 01273 525080

The whole of market independent financial and mortgage advisers. As 'whole of market' Independent Financial Advisers, we cover all aspects of your personal (in addition to a company) financial plan...

Lloyds Bank

Lloyds Bank

Brunswick Rd , Shoreham-By-Sea , BN43 5XD 0345 300 0000

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 Shoreham-By-Sea, 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 Shoreham-By-Sea.

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

How to choose the right mortgage in Shoreham-By-Sea?

Mortgage in Shoreham-By-Sea advice: Yes or no?

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

How to choose the right mortgage in Shoreham-By-Sea?

The mortgage in Shoreham-By-Sea 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 Shoreham-By-Sea 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 Shoreham-By-Sea 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 Shoreham-By-Sea 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 Shoreham-By-Sea to offer advice before recommending any mortgage for you.

Before giving out any suggestions, they will assess the level of mortgage in Shoreham-By-Sea 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 Shoreham-By-Sea 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 Shoreham-By-Sea for you.

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

Risks of not getting mortgage in Shoreham-By-Sea advice

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

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

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

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

Following are some of the top websites for finding details about mortgage in Shoreham-By-Sea advisors in Shoreham-By-Sea 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 Shoreham-By-Sea 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 Shoreham-By-Sea.

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

What most people look for while going for a mortgage in Shoreham-By-Sea 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 Shoreham-By-Sea 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 Shoreham-By-Sea 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 Shoreham-By-Sea 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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