Mortgage Brokers in Stone

Total Result 52 - Page 1

Nationwide Building Society

Nationwide Building Society

78/80 Long St , Atherstone , CV9 1AU 0800 554 0885

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 ...

Lloyds Bank

Lloyds Bank

96 Long St , Atherstone , CV9 1AR 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, ...

Barclays Bank plc

Barclays Bank plc

90 Long St , Atherstone , CV9 1AP 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....

Jane Jackson Just Mortgages

Jane Jackson Just Mortgages

4 Altona Close , Stone , ST15 8PH 07990 836455

I purpose to offer the final word mortgage providers expertise by delivering the best requirements. As your Mortgage and Protection Adviser, I'll help you all through the house shopping for, transferr...

Retirement Planning UK Ltd

Retirement Planning UK Ltd

Christchurch House, Christchurch Way , Stone , ST15 8ZB 01785 817377

As an independently family-owned firm servicing clients nationwide we've got a workforce of workers to make sure we provide excessive contact and extremely customized tailor-made service. We are s...

Will Ward, Independent Financial Adviser

Will Ward, Independent Financial Adviser

1 Cranmore Grove , Stone , ST15 8XD 07599 401633

I present bespoke financial recommendations to each private and enterprise client, which is unbiased and neutral from your entire market of financial providers. I specialize in retirement planning...

HMA Mortgages Ltd

HMA Mortgages Ltd

12 Stafford St , Stone , ST15 8QW 01785 814701

...

Kaleidoscope Mortgages & Loans

Kaleidoscope Mortgages & Loans

1 Mill St , Stone , ST15 8BA 01785 815502

...

Lloyds Bank

Lloyds Bank

71-73 High St , Stone , ST15 8AG 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, ...

Mortgage & Protection for Life

Mortgage & Protection for Life

Springfields Aston Lane, Aston , Stone , ST15 0BW 07903 950538

...

Barclays Bank plc

Barclays Bank plc

45 High St , Stone , ST15 8AQ 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....

Mortgage Advice Bureau

Mortgage Advice Bureau

219 Lower Blandford Rd , Broadstone , BH18 8DN 01202 691122

...

Unique Financial

Unique Financial

Suite B Manor House 1, Macaulay Rd , Broadstone , BH18 8AS 01202 650077

Because of the Establishment of Elite Financial & Mortgage Services Limited, now we have constructed a big and valued shopper base by way of our expertise, service, and dedication to integrity. ...

Nationwide Building Society

Nationwide Building Society

The Broadway, 169 Lower Blandford Rd , Broadstone , BH18 8DH 0800 554 1039

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...

Lloyds Bank

Lloyds Bank

203 Lower Blandford Rd , Broadstone , BH18 8DL 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, ...

Santander

Santander

214 Lower Blandford Rd , Broadstone , BH18 8DX 0800 912 3123

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

Barclays Bank plc

Barclays Bank plc

204 Lower Blandford Rd , Broadstone , BH18 8DS 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....

NatWest Bank plc

NatWest Bank plc

208 Lower Blandford Rd , Broadstone , BH18 8DT 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....

Independent Financial Planning Ltd

Independent Financial Planning Ltd

31 Gloucester Rd , Stonehouse , GL10 2NZ 01453 822240

Independent Financial Planning is a Chartered agency of Financial Planners and Mortgage Advisers who use our data and experience that will help you outline and obtain your financial goals and save you...

Stephen Thatcher

Stephen Thatcher

The Old Schoolhouse Church St, Nympsfield , Stonehouse , GL10 3UB 01453 368007

My name is Stephen Thatcher, and I’m a Mortgage Adviser. I’ve lived and worked around Gloucestershire practically all of my life, and have over 30 years of expertise in serving to folks purchas...


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

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

How to choose the right mortgage in Stone?

Mortgage in Stone advice: Yes or no?

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

How to choose the right mortgage in Stone?

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

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

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

Risks of not getting mortgage in Stone advice

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

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

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

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

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

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

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