Mortgage Brokers in Stevenage

Total Result 19 - Page 1

Advance Financial Management

Advance Financial Management

24 Eastbourne Avenue , Stevenage , SG1 2EX 01438 230030

Whether or not you're a first-time buyer, transferring home, contemplating buy-to-let funding, taking a look at saving cash in your present mortgage, Advance Financial Administration is right here tha...

Simply Mortgages

Simply Mortgages

11 Market Place Town Centre , Stevenage , SG1 1DH 01438 318227

...

Omega Funding Ltd

Omega Funding Ltd

Unit 1 Arlington Court, Whittle Way , Stevenage , SG1 2FS 01438 842271

Over 25 years experience in funding, specialising in whole of market mortgage advice we can provide the following: Exclusive mortgage deals Goverment schemes Permitted Developments Small square fo...

Independent Mortgage Advice Bureau

Independent Mortgage Advice Bureau

61 High Street , Stevenage , SG1 3AQ 01438 360040

...

Mortgage Hunters

Mortgage Hunters

44b High St , Stevenage , SG1 3EF 01438 359300

...

NatWest Bank plc

NatWest Bank plc

26-28 Queensway , Stevenage , SG1 1BS 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....

Mortgage Solutions

Mortgage Solutions

17 Park Place , Stevenage , SG1 1DU 01438 364666

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V R Mortgage Solutions Ltd

V R Mortgage Solutions Ltd

45 Kilby Rd , Stevenage , SG1 2LT 020 3468 4555

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Connells Mortgage Services

Connells Mortgage Services

8 Market Place , Stevenage , SG1 1DB 01438 314666

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J L M Mortgage Services Ltd

J L M Mortgage Services Ltd

101 High St , Stevenage , SG1 3HR 01438 216300

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DL Mortgages

DL Mortgages

69 Lomond Way , Stevenage , SG1 6BT 01438 351342

...

DC-Financials

DC-Financials

27 Archer Rd , Stevenage , SG1 5HB 07867 798559

Your home is greater than probably the most costly factor that you'll ever buy. Due to this fact when arranging the finance for it, whether or not it's to buy or to re-mortgage, it is very important t...

Halifax

Halifax

97/99 Queensway , Stevenage , SG1 1EA 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...

Sands Financial Management

Sands Financial Management

Ground Floor Unit 1 Gateway 1000 Wh, Arlington Business Park , Stevenage , SG1 2FP 01462 420234

We offer an intensive vary of economic planning companies, from shopping for your first residence to planning to your retirement and every little thing in between. Whichever life stage you are at, we'...

Nationwide Building Society

Nationwide Building Society

17/21 Queensway , Stevenage , SG1 1DA 0800 554 0602

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 ...

Santander

Santander

96-98 Queensway , Stevenage , SG1 1EG 0800 912 3123

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

Lloyds Bank

Lloyds Bank

3 Town Square , Stevenage , SG1 1BG 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, ...

Leeds Building Society

Leeds Building Society

52 Queensway , Stevenage , SG1 1EE 01438 741822

Leeds & Holbeck Building Society offer a range of financial services including mortgages, investments, savings, deposits, insurance and financial advice....

Dinko Monev

Dinko Monev

Eliot Rd , Stevenage , SG2 0LH 07947 527498

...


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

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

How to choose the right mortgage in Stevenage?

Mortgage in Stevenage advice: Yes or no?

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

How to choose the right mortgage in Stevenage?

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

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

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

Risks of not getting mortgage in Stevenage advice

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

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

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

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

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

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

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