Mortgage Brokers in Stockport

Total Result 41 - Page 1

A B C Mortgages

A B C Mortgages

95 Bramhall Lane , Stockport , SK2 6HY 0161 477 6666

We're an Independent Mortgage Advisor with 30 + years of expertise within the business. We provide customer support that's second to none and can prepare an appointment at your comfort, whether or ...

Stockport Mortgage Shop

Stockport Mortgage Shop

76-78 Gorton Rd , Stockport , SK5 6AH 0161 443 1212

...

Direct Mortgages

Direct Mortgages

218 Heaton Moor Rd , Stockport , SK4 4DU 0161 448 4709

...

Botterill Saw & Associates

Botterill Saw & Associates

2 Kempton Close, Hazel Grove , Stockport , SK7 4SG 0161 485 3226

- We NEVER cost charges. Free and pleasant Mortgage Recommendation. Immediate phone consultations. Clients everywhere in the UK. - Botterill Saw & Associates have been providing their companies...

Banks Lane Finance

Banks Lane Finance

64 Norcross Close , Stockport , SK2 5NH 0800 779 7046

Right here at Banks Lane Finance, our purpose is to assist individuals with their mortgage and safety wants. Whether or not you might be shopping for your first house, seeking to re-mortgage, or se...

Four Yards Financial

Four Yards Financial

29 Gawsworth Close, Bramhall , Stockport , SK7 2BB 0161 439 5100

A long established independant mortage broker dealing in residential re-mortgage, buy-to-let purchase, first time buyers and life assurance. Based in Stockport and an office in Bolton so is easy acce...

Explora Mortgage Solutions

Explora Mortgage Solutions

Mellor House, 65-81, St. Petersgate , Stockport , SK1 1DS 0800 195 8900

...

Lloyds Bank

Lloyds Bank

Houldsworth Square Reddish , Stockport , SK5 6BB 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, ...

NatWest Bank plc

NatWest Bank plc

44 Heaton Moor Rd, Heaton Chapel , Stockport , SK4 4NP 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....

New Times Mortgages

New Times Mortgages

21 Thurlestone Drive, Hazel Grove , Stockport , SK7 5RD 07920 485783

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The Co-operative Bank

The Co-operative Bank

1 St. Peters Square , Stockport , SK1 1NX 0161 474 7436

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

Nationwide Building Society

Nationwide Building Society

55 Great Underbank , Stockport , SK1 1NF 0800 554 0788

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 ...

TPD Wealth Management Ltd

TPD Wealth Management Ltd

30 Great Underbank , Stockport , SK1 1NB 0161 940 0174

TPD Wealth Management is a nicely established complete of market Unbiased Financial Adviser agency providing recommendations on all points of economic planning such as Mortgages, Investments, Pensions...

Royal Bank of Scotland

Royal Bank of Scotland

27 Great Underbank , Stockport , SK1 1LN 0345 724 2424

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

Yorkshire Building Society

Yorkshire Building Society

28 Great Underbank , Stockport , SK1 1NB 0161 636 0614

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...

Santander

Santander

66-68 Merseyway , Stockport , SK1 1PL 0800 912 3123

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

Virgin Money

Virgin Money

16-18 Great Underbank , Stockport , SK1 1LF 0161 480 0041

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

Yorkshire Bank

Yorkshire Bank

34 Princes St , Stockport , SK1 1RE 0800 456 1247

Yorkshire Bank PLC offers a range of services for personal and business customers such as financial advice, loans and mortgages....

Halifax

Halifax

2 Merseyway , Stockport , SK1 1PJ 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...


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

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

How to choose the right mortgage in Stockport?

Mortgage in Stockport advice: Yes or no?

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

How to choose the right mortgage in Stockport?

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

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

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

Risks of not getting mortgage in Stockport advice

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

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

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

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

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

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

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