Mortgage Brokers in West Glamorgan

Total Result 17 - Page 1

HSBC Bank plc

HSBC Bank plc

Portland St , Swansea , West Glamorgan , SA1 3DF 0345 740 4404

HSBC is a high street bank with branches all over the UK. They offer various services including financial advice, loans, mortgages and insurance. It is one of the world's largest banking and finan...

Mortgage Solutions

Mortgage Solutions

3 Walter Rd , Swansea , West Glamorgan , SA1 5NE 0800 0521082

...

JLM Financial Services

JLM Financial Services

14 Brynymor Rd , Swansea , West Glamorgan , SA1 4JQ 01792 654700

...

Complete Mortgage Advice

Complete Mortgage Advice

12 West Cross Avenue, West Cross , Swansea , West Glamorgan , SA3 5TS 01792 405300

...

Gower Financial Planning

Gower Financial Planning

504 Gower Rd, Killay , Swansea , West Glamorgan , SA2 7DY 01792 421700

Welcome to Gower Financial Planning, Independent Financial Advisers based mostly on the edge of the Gower Peninsula, Swansea. We're a neighborhood agency providing a Personal service for all of you...

Barclays Bank plc

Barclays Bank plc

16 Newton Rd, Mumbles , Swansea , West Glamorgan , SA3 4AU 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....

Robert Yeo Mortgage Advice

Robert Yeo Mortgage Advice

8 Heol Dyfed, Gorseinon , Swansea , West Glamorgan , SA4 4GF 07411 743468

...

R & L Financial Services

R & L Financial Services

57 Crymlyn Parc , Neath , West Glamorgan , SA10 6DG 01792 812245

...

All-Ways Mortgage Services

All-Ways Mortgage Services

10 Pen Yr Alltwen Park, Rhos, Pontardawe , Swansea , West Glamorgan , SA8 3EZ 01792 864788

...

Barclays Bank plc

Barclays Bank plc

12 Alexandra Rd, Gorseinon , Swansea , West Glamorgan , SA4 4NL 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....

Blackwood Finance

Blackwood Finance

31 Pen-yr-Heol Rd, Gorseinon , Swansea , West Glamorgan , SA4 4GA 0870 7441336

...

Ian Ferrell Associates Ltd

Ian Ferrell Associates Ltd

12 Dulais Rd, Pontarddulais , Swansea , West Glamorgan , SA4 8RH 01792 884438

...

Arrow Mortgage Solutions UK Ltd

Arrow Mortgage Solutions UK Ltd

21 Grange St , Port Talbot , West Glamorgan , SA13 1EN 0808 2000173

...

Carter Lee Financial Services

Carter Lee Financial Services

40 Alfred Street , NEATH , West Glamorgan , SA11 1EH 01639 633331

Carter Lee was set up in 2015 by an experienced Mortgage & Protection advisor, Lee Saunders. Lee has labored within the trade for practically 15 years throughout a wide range of organizations and ...

HSBC Bank plc

HSBC Bank plc

3 Windsor Rd , Neath , West Glamorgan , SA11 1LN 0345 740 4404

HSBC is a high street bank with branches all over the UK. They offer various services including financial advice, loans, mortgages and insurance. It is one of the world's largest banking and finan...

Barclays Bank plc

Barclays Bank plc

9 The Parade , Neath , West Glamorgan , SA11 1RE 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....

Barclays Bank plc

Barclays Bank plc

48 Station Rd , Port Talbot , West Glamorgan , SA13 1LJ 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....


If you are looking for mortgage brokers in West Glamorgan, 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 West Glamorgan.

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

How to choose the right mortgage in West Glamorgan?

Mortgage in West Glamorgan advice: Yes or no?

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

How to choose the right mortgage in West Glamorgan?

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

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

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

Risks of not getting mortgage in West Glamorgan advice

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

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

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

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

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

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

What most people look for while going for a mortgage in West Glamorgan 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 West Glamorgan 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 West Glamorgan 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 West Glamorgan before time without being charged? Can you take a break from making payments if at any time you are amidst a financial crisis?

WhatsApp

Email us