Mortgage Brokers in Southport

Total Result 22 - Page 1

Attentive Mortgages & Protection

Attentive Mortgages & Protection

The Apartments, Marine Gate Mansions, Promenade , Southport , PR9 0EF 07890 002535

Providing skilled and really personable service within the North West of England and increasing all through the UK as an entire. Neutral 'entire of market' mortgage, pure safety and common insurance c...

Santander

Santander

3a Preston New Rd, Churchtown , Southport , PR9 8PB 0800 912 3123

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

A D A Financial Consultants

A D A Financial Consultants

Aldra House, 51, Hoghton St , Southport , PR9 0PG 01704 537 590

We're proud that our enterprise has grown via suggestion and that we now advise many generations of households. We now have 4 certified Advisers, all having labored within the North West space for ...

Martlandmortgages.com Ltd

Martlandmortgages.com Ltd

11 Westminster Chambers, 106, Lord St , Southport , PR8 1LF 07752 393572

...

Royal Bank of Scotland

Royal Bank of Scotland

269 Lord St , Southport , PR8 1NY 0345 724 2424

The Royal Bank of Scotland PLC offers many services including loans, mortgages, financial advice and foreign exchange....

Barclays Bank plc

Barclays Bank plc

265-267 Lord St , Southport , PR8 1PD 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....

Key Mortgage Advice

Key Mortgage Advice

12 Hoghton St , Southport , PR9 0TF 01704 829888

...

Brick Finance

Brick Finance

47 Hoghton St , Southport , PR9 0PG 07740 102958

Brick Finance can present entry to all kinds of mortgages together with Residential and Buy to Let. Brick Finance may present a safety resolution for you personally or for your enterprise by way of...

Santander

Santander

25-29 Chapel St , Southport , PR8 1AL 0800 912 3123

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

Barron Financial Solutions Ltd

Barron Financial Solutions Ltd

9b Hoghton St , Southport , PR9 0TE 0800 587 0140

We are professional mortgage and protection advisers who can advise on the latest mortgage products available together with any associated insurances required – life insurance, critical illness cove...

Halifax

Halifax

8/12 London St , Southport , PR9 0UZ 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...

Skipton Building Society

Skipton Building Society

18 London St , Southport , PR9 0UE 01704 536313

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

Mortgage Advice Bureau

Mortgage Advice Bureau

16 Hill St , Southport , PR9 0NW 01704 560006

...

NatWest Bank plc

NatWest Bank plc

130 Lord St , Southport , PR9 0AE 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....

Yorkshire Building Society

Yorkshire Building Society

15/17 London St , Southport , PR9 0UF 01704 741137

At the current time, we ask that you only visit our branches and agencies to carry out essential transactions. Visit our website to find out what essential transactions are, how you can manage your fi...

The Buy to Let Broker

The Buy to Let Broker

Jubilee Lodge Canning Rd , Southport , PR9 7SW 0330 162 8954

The Buy to Let Broker is a UK mortgage specialist serving to landlords nationwide. Based mostly in Southport, their award-winning crew of 20 mortgage specialists is available to assist with your whole...

JB Financial Solutions Ltd

JB Financial Solutions Ltd

18 Rutland Rd , Southport , PR8 6PB 01704 539492

...

The Bridging Broker

The Bridging Broker

Jubilee Lodge Canning Rd , Southport , PR9 7SW 0330 173 4055

...

WSS Financial Planning

WSS Financial Planning

P.O Box 550 , Southport , PR8 6WD 01704 570094

...

Lloyds Bank

Lloyds Bank

23 London St , Southport , PR9 0UX 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 Southport, 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 Southport.

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

How to choose the right mortgage in Southport?

Mortgage in Southport advice: Yes or no?

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

How to choose the right mortgage in Southport?

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

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

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

Risks of not getting mortgage in Southport advice

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

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

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

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

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

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

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