Mortgage Brokers in Southam

Total Result 75 - Page 1

Coventry Building Society

Coventry Building Society

53 Coventry St , Southam , CV47 0EP 01926 815454

The Coventry Building Society offer a wide range of financial services including the administering of mortgages, saving accounts and financial advice. They also have ATM machines....

Primary Financial Solutions Ltd

Primary Financial Solutions Ltd

Unit 3 Corhampton Lane Farm, Corhampton Lane, Corhampton , Southampton , SO32 3NB 01489 876574

Main Financial Solutions is a family run financial recommendation apply. Our advisors are in a position to assist shoppers throughout the nation and are supported by the Client Support Team primarily ...

A T Mortgages

A T Mortgages

19a London Rd , Southampton , SO15 2AE 023 8042 0701

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Footstep Mortgage

Footstep Mortgage

40 London Rd , Southampton , SO15 2AG 0845 644 3969

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Corinthian Mortgage Solutions Ltd

Corinthian Mortgage Solutions Ltd

Suite F1, 35, Carlton Crescent , Southampton , SO15 2EW 023 8235 3229

...

Umbrella Financial

Umbrella Financial

3 College Place , Southampton , SO15 2FB 023 8178 0484

Umbrella Financial Services is a Southampton and Hampshire primarily based independent mortgage dealer, insurance coverage, and safety specialist. We're skilled complete of market advisers providing y...

Leeds Building Society

Leeds Building Society

41 London Rd , Southampton , SO15 2AD 023 8022 6699

Leeds & Holbeck Building Society provide a variety of financial providers together with mortgages, investments, financial savings, deposits, insurance and financial recommendation....

The Commercial Mortgage Hut

The Commercial Mortgage Hut

14 College Place , Southampton , SO15 2FE 023 8038 4442

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The Mortgage Hut

The Mortgage Hut

14 College Place , Southampton , SO15 2FE 023 8062 9534

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Choice Mortgage Solutions

Choice Mortgage Solutions

17-18 The Avenue , Southampton , SO17 1XF 023 8063 3377

Most individuals need to buy their house, a few of us may even select to put money into property. No matter your motive forgetting, you'll in all probability want a mortgage. Our staff has years of...

Virgin Money

Virgin Money

10 College Place , Southampton , SO15 2FD 023 8023 6044

Virgin Money offers a wide range of financial products....

Lloyds Bank

Lloyds Bank

92-94 Above Bar St , Southampton , SO14 7DT 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, ...

Nationwide Building Society

Nationwide Building Society

72-78 Above Bar St , Southampton , SO14 7DT 0800 554 0319

As a mutual, we’re owned by, and run for, the good thing about our members* – that means we’re free to reinvest extra of our income into enhancing services and products. Last year alone, we paid...

J. H. Mortgage & Investment of Texas

J. H. Mortgage & Investment of Texas

35 Wilton Avenue , Southampton , SO15 2HA 07999 006048

J. H. MORTGAGE & INVESTMENT OF TEXAS, INC. Henning Vestergaard Jensen/CEO/Proprietor Southampton, Hampshire UNITED KINGDOM Provide Funding Alternative in Industrial Actual Property situat...

Barclays Bank plc

Barclays Bank plc

67B Above Bar St , Southampton , SO14 7DZ 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....

Halifax

Halifax

63/65 Above Bar St , Southampton , SO14 7DZ 0345 720 3040

Halifax is a unique bank on the high street. Halifax colleagues go the extra mile to make things easier for customers, removing barriers and complexity from their everyday lives whether in a branch, o...

Your Finance Today Ltd

Your Finance Today Ltd

83a Commercial Rd , Southampton , SO15 1GH 0800 144 4992

We offer recommendations and proposals on Residential and Buy to let mortgage contracts, we're capable of help with clients dwelling or proudly owning property throughout England, Scotland, Wales, and...

Santander

Santander

57 Above Bar , Southampton , SO14 7DZ 0800 912 3123

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

NatWest Bank plc

NatWest Bank plc

68 Above Bar St , Southampton , SO14 7DS 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....

The Co-operative Bank

The Co-operative Bank

61 Above Bar St , Southampton , SO14 7DZ 023 8023 7060

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


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

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

How to choose the right mortgage in Southam?

Mortgage in Southam advice: Yes or no?

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

How to choose the right mortgage in Southam?

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

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

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

Risks of not getting mortgage in Southam advice

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

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

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

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

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

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

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