Mortgage Brokers in Stroud

Total Result 16 - Page 1

Mortgage Wise Ltd

Mortgage Wise Ltd

Willow Court Beeches Green , Stroud , GL5 4BJ 0333 207 0522

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House & Holiday Home Mortgages Ltd

House & Holiday Home Mortgages Ltd

8 Beale Close, Bussage , Stroud , GL6 8DF 01453 887179

House and Holiday Home Mortgages specialize in Residential, First Time Buyer, Buy to Let, and Remortgage circumstances, in addition to having a unique understanding of the Holiday Home and Holiday Let...

Mortgage Advice Bureau

Mortgage Advice Bureau

1 John St , Stroud , GL5 2HA 01453 764912

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Lief Financial Services Ltd

Lief Financial Services Ltd

Cliffs Mead Field Rd, Whiteshill , Stroud , GL6 6AH 01453 767629

We're a small pleasant agency providing a free, no-obligation financial assessment. We'll clarify all of the jargon clearly and you'll ask as many questions as you want...... Lief is based in Strou...

GHL - Ross Hampton

GHL - Ross Hampton

203 Bath Rd , Stroud , GL5 3TA 01453 767310

GHL Direct FCA 497119 a member of Openwork Zurich FCA 408285. I've been working within the mortgage industry since 2001 and provide mortgages from the whole of the market. The varieties of mortg...

Nationwide Building Society

Nationwide Building Society

16 King St , Stroud , GL5 3DQ 0800 554 0421

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

12 Rowcroft , Stroud , GL5 3BD 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

Bank Buildings, 18-19, George St , Stroud , GL5 3DT 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....

Coventry Building Society

Coventry Building Society

43 King St , Stroud , GL5 3DA 01453 755959

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....

Halifax

Halifax

12 Kendrick St , Stroud , GL5 1AA 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...

Barclays Bank plc

Barclays Bank plc

18 King St , Stroud , GL5 3DF 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....

P Kramer

P Kramer

13 Bownham Mead, Rodborough Common , Stroud , GL5 5DZ 01453 873670

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Coventry Building Society

Coventry Building Society

5 Fountain St, Nailsworth , Stroud , GL6 0BL 01453 833777

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....

Santander

Santander

19 Merrywalks Shopping Centre , Stroud , GL5 1RY 0800 912 3123

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Hudson Rose

Hudson Rose

7 Bridge St , Stroud , GL6 0AA 0330 122 9920

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DFCP Mortgage Services

DFCP Mortgage Services

28 New Mills, Nailsworth , Stroud , GL6 0HN 01453 834854

Whether or not it is transferring into your dream residence, shopping for investment, or saving cash in your present mortgage I am right here to assist. With what appears a lifetime within the fina...


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

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

How to choose the right mortgage in Stroud?

Mortgage in Stroud advice: Yes or no?

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

How to choose the right mortgage in Stroud?

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

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

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

Risks of not getting mortgage in Stroud advice

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

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

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

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

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

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

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