Mortgage broker & adviser Suffolk

A qualified mortgage broker is a financial advisor that specialises in mortgages, using expert knowledge to help you understand the mortgage process. They search the whole market to find you the best mortgage deal, knowing the criteria and requirements for each lender. Securing you a mortgage offer quickly, saving you time, rejection, stress and money.

A Whole of Market mortgage broker is able to offer a much wider range of products, representative of the entire lending market, guaranteeing to find you the best mortgage deal out there. From high street banks, building societies, broker-only exclusive deals and specialist lenders. Not all mortgage brokers are whole of market, some are restricted to certain lenders so they are not able to offer you the best deals.

Your bank may be the obvious starting point when looking for a mortgage, but not the best. You presume that the bank will offer preferential deals or even guarantee you a mortgage because you bank with them. But that’s not the case at all. Every bank only offers their own product, interest rate and has different rules about how much they will lend and who they will lend to. So by only approaching your bank you are massively limiting your options. A mortgage broker will search the entire lending market for you to find you the most suitable deal resulting in a better interest rate or a higher loan amount.

Using a skilled advisor does often mean an extra fee is involved in the overall process. But the savings you’ll make by getting the best rates and deals are far greater than the small fixed fee a broker may charge. Mortgage advisers have a wide knowledge of the mortgages available from different lenders. They have access to special exclusive deals from the entire mortgage market and can search the market on your behalf and recommend the best deal. They can also improve your chances of being accepted for a mortgage as they’ll know which lenders are best suited to your particular circumstances.

As soon as the thought of buying a property enters your mind. Honestly, we cannot emphasise enough how important it is to speak to a mortgage broker as early as possible – it’s never too early, even if its a year or so ahead. Often there’s a lot of preparation that needs to be done well in advance of applying for a mortgage – such as finding out how much you can borrow, saving a deposit, looking at your credit report, the way you manage your bank accounts and potentially improving your position.

Yes we can. We can arrange a mortgage for you if you are based anywhere in the Uk. Our initial consultation can be arranged via a Zoom or Teams video call, face to face or via telephone. From there on in, all necessary paper work and communications can be dealt with electronically via email or whatsapp.

Not at all. The initial no obligation advice appointment that we have with you is completely free. In fact our entire service if completely free! We don’t believe in holding clients to ransom with an upfront fee. Instead we demonstrate our worth with total commitment, unrivalled knowledge and exceptional customer service securing you a full mortgage offer first. We then get paid by the lender on completion.

Yes, the terms mortgage advisor, mortgage broker and mortgage adviser are interchangeable here in the UK. They all refer to the same – a financial professional with a certification in mortgage and practice (CeMAP) that enables them to legally operate as approved by the Financial Conduct Authority (FCA).