Purchasing a property is a big decision in any ones life, that's why it is so important to get it right first time!
Buying a property can be exciting as well as daunting. Lenders do not always consider or make allowances for peoples circumstances. They underwrite in a strict format that at times penalises what we class as good genuine buyers and results in applications being declined.
The new affordability rules have had a massive negative effect on new lending, of course it is not correct for clients to stretch themselves to a point where it gives them money troubles!
This is where our advisers can help in advising clients to reduce their monthly commitments. This can be achieved by paying unnecessary debt off. Of course this would need to be planned well before a loan is applied for. This could mean the difference between being accepted for a mortgage or being declined.
The mortgage process can be stressful and that is why it is recommend to use a qualified mortgage adviser who will take all the hassle and stress out of the process for you.
Once a purchase has completed we continue to look after your best interests by contacting you when your existing mortgage is coming to an end. We will then look at the whole of the market of mortgage lenders and select the one which will give you the best deal for your circumstances. As mortgage rates can change on a daily basis our experienced advisers can advise you on the best deals available.
Please call us if you wish to discuss further on 01642 659500 or email
WE ADVISE AND ARRANGE MORTGAGES THROUGHOUT TEESSIDE: MIDDLESBROUGH, ACKLAM, MARTON, NUNTHORPE, STOCKTON ON TEES, SALTBURN -BY-THE-SEA; HARTLEPOOL AND If you are looking for a mortgage we cover, MIDDLESBROUGH, STOCKTON ON TEES, HARTLEPOOL, REDCAR, SALTBURN, AND whitby; NORTH YORKSHIRE: YORK, RICHMOND, CATTERICK, AND ripon; LEEDS AND HARROGATE, WE cover TYNE & WEAR: NEWCASTLE UPON TYNE, SUNDERLAND, county DURHAM, AND GATESHEAD, WE will give you advice from the whole of market WITH MORTGAGES in your home, YOUR place of work, and at our office.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.