Mortgage Brokers in Swindon
Total Result 54 - Page 1
57 The Shaftesbury Centre, Percy St , Swindon , SN2 2AZ 0333 050 6772
Our recommendation is pleasant, simple to grasp, and jargon-free! We work with you to ensure you get the perfect answer to your wants, utilizing our entire market entry to equity release lenders. From...
Cannon Mortgages Ltd
48 Bath Rd , Swindon , SN1 4AY 0845 872 8720
By selecting Cannon Mortgages you can be benefiting from our a few years of expertise in arranging mortgages. We don't prepare investments, endowments, or pensions, simply mortgages. Our always ...
South West Mortgages
26 Commercial Rd , Swindon , SN1 5NS 01793 433699
Get in touch with the financial experts at South West Mortgage Solutions Ltd today. Our experts are fully qualified, experienced and will give you independent advice and will clarify anything that con...
Mather & Murray
36 Commercial Rd , Swindon , SN1 5NS 01793 261626
Mather and Murray Financial believe all prospects ought to have the ability to entry high-quality recommendation it doesn't matter what their circumstances. It’s unfair that many banks and construct...
A Mortgage 4 You
1st floor, 3, New Bridge Square , Swindon , SN1 1HN 0800 802 1003
With entry to the entire market, which is altering each month with the brand new lenders coming on-line, we have now the information and the expertise to seek out the correct mortgage for you primaril...
Royal Bank of Scotland
Coventry Building Society
41 Regent Circus , Swindon , SN1 1PX 01793 521108
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....
Jan & Company
105 Victoria Road , SWINDON , SN1 3BD 01793 611126
Jan & Co. offers independent financial advice, specialising in offshore investments and mortgages. Fee & Commission based remuneration packages are available....
Nationwide Building Society
47/48 Regent St , Swindon , SN1 1JS 0800 554 0435
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 ...
The Co-operative Bank
Niche Financial Solutions
The Tri Centre New Bridge Square , Swindon , SN1 1HN 0800 802 1003
We are an Independent Financial Broker looking to help anyone that may need help in the following area’s; Mortgages, Home Owner Loans, Development Finance and Bridging Finance....
Anderson Wealth Management
Suite I Market House Business Centr, 1-2 Marlborough Rd , Swindon , SN3 1QY 01793 741441
Our shoppers are a mix of personal people and firms who perceive that by searching for our skilled recommendation, they will take advantage of their cash....
If you are looking for mortgage brokers in Swindon, 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 Swindon.
All the mortgage brokers in Swindon available on our directory are fully authorized and regulated by the financial conduct authority. They will offer complete mortgage in Swindon solutions including mortgage in Swindon 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 Swindon 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 Swindon advisor when to seek advice, where to get free mortgage in Swindon advice, how your bank might be able to help, and which comparison websites you can check.
How to choose the right mortgage in Swindon?
Mortgage in Swindon advice: Yes or no?
Risks of not getting mortgage in Swindon advice.
Speak to your bank and people you know
When to approach a mortgage in Swindon adviser
Browse through different websites
Factors to be considered before choosing a mortgage in Swindon
How to choose the right mortgage in Swindon?
The mortgage in Swindon 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 Swindon 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 Swindon 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 Swindon 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 Swindon to offer advice before recommending any mortgage for you.
Before giving out any suggestions, they will assess the level of mortgage in Swindon 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 Swindon 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 Swindon for you.
When you choose your own mortgage in Swindon without seeking any kind of financial advice it’s termed as an “execution-only” application.
Risks of not getting mortgage in Swindon advice
It is an act of prudence to do your homework before availing of any financial services from your mortgage broker in Swindon. 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 Swindon, 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 Swindon advisor and go for it based on your independent research, you have to take full responsibility for your mortgage in Swindon decision if the same turns out to be unsuitable in the future.
Consequences of nontaking mortgage in Swindon 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 Swindon 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 Swindon, which is not suitable as per your financial capabilities.
Hence, taking a decision after availing advice from your mortgage in Swindon 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 Swindon adviser?
A mortgage broker in Swindon or advisor is a specialist in mortgages in Swindon and possess in-depth knowledge of the market. They have the expertise and experience to study a wide range of mortgage in Swindon 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 Swindon advisors in the market:
Advisors tied to a specific lender: They would provide you with mortgage in Swindon 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 Swindon 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 Swindon, thus ensuring income protection.
They can offer you attractive deals and offers, which are otherwise not available if you search for a mortgage in Swindon 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 Swindon into account, beyond the interest rate.
They should only recommend a mortgage in Swindon 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 Swindon proves unsuitable to you.
Finding a mortgage in Swindon advisor
Following are some of the top websites for finding details about mortgage in Swindon advisors in Swindon and other parts of the UK
Fees and charges
The fees and charges of a Mortgage in Swindon 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 Swindon.
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 Swindon illustration document(s). This document outlines the terms and conditions of the mortgage in Swindon along with the details of the loan. As it contains all the key facts on the mortgage in Swindon, 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 Swindon. 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 Swindon:
What most people look for while going for a mortgage in Swindon 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 Swindon 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 Swindon 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 Swindon before time without being charged? Can you take a break from making payments if at any time you are amidst a financial crisis?