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Mortgage Broker in Chippenham

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

0117 440 4704Speak to an Advisor - It's Free!

Mortgage Broker in Chippenham

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

Speak to an Advisor - It's Free! 0117 440 4704

Providing expert mortgage advice in Chippenham

If you’re in need of help and guidance throughout your mortgage journey, you have landed in the right place. Our team of mortgage brokers in Chippenham specialises in taking away all the stress associated with the mortgage process, ensuring a smooth and hassle-free experience for you.

One of our key services is helping you determine the ideal borrowing amount and finding a mortgage deal that is perfectly suited to your individual circumstances. With our extensive experience of over two decades in the industry, our aim is to save you both time and money during the mortgage process.

We understand that your personal and professional lives can be demanding, which is why we are available seven days a week. This flexibility allows you to reach out to us at a time that best suits your schedule. Simply book online and choose a date and time that works for you.

Take advantage of a free consultation with one of our advisors who will guide you through every step of your mortgage journey. Our ultimate goal is to make the process as effortless and stress-free as possible for you.

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Popular Mortgage Scenarios in Chippenham

All of our customers receive a free mortgage appointment!

Everyone can take advantage of a no-cost mortgage consultation. During this valuable session, you will have the opportunity to connect with a highly knowledgeable mortgage advisor who specialises in catering to your unique mortgage needs.

They will be there to address any mortgage-related queries you may have and assess your overall mortgage affordability. By conducting a thorough affordability review that takes into account your income, expenditures, and more, they will gain a comprehensive understanding of your situation.

Obtaining professional mortgage advice in Chippenham has never been more convenient. Either book your free mortgage session online or reach our dedicated team via telephone. This initial step is completely free and provides you with a solid understanding of the mortgage options available to you in Chippenham.

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Popular Mortgage Scenarios in Chippenham

First Time Buyer Mortgages in Chippenham

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Entering the realm of mortgages as a first-time Chippenham buyer can be quite overwhelming. Where do you even begin?

Worry not, for we are here to provide you with the guidance and support you need throughout the entire mortgage process. Our goal is to ensure that you feel comfortable and at ease during this potentially stressful period.

First and foremost, we will assess your mortgage affordability, ensuring that we explain each step you must take to secure your first mortgage in Chippenham.

Saving for a deposit is a vital component of this mortgage journey, as you’ll need to have 5% to 10% of the property value at hand. Assuming you have a solid credit score, as a first-time buyer in Chippenham, you can expect access to competitive products and favourable interest rates.

Now, if you happen to be a first-time buyer in Chippenham plagued by bad credit, don’t worry. During your free mortgage appointment, our experienced mortgage advisor in Chippenham will discuss strategies to overcome adverse credit, potentially requiring a minimum deposit of 10%.

Your journey to securing your first-time buyer mortgage commences right here. So go ahead, reach out to our team and let’s simplify the process for you.

Moving Home Mortgages in Chippenham

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Moving home in Chippenham involves more than just finding a new place to call home; you need to consider your mortgage options as well. At times, it may not be feasible to transfer your existing mortgage to your new Chippenham residence, and thus, you’ll need to secure a new mortgage product. Amidst the chaos that accompanies a move, this additional aspect can easily become overwhelming.

Fortunately, enlisting the services of a mortgage broker in Chippenham can prove to be advantageous in navigating this intricate process for you and your new abode. Our team of knowledgeable mortgage advisors in Chippenham will alleviate the burden of the mortgage side of things, enabling you to concentrate on the actual move itself.

Committed to making the entire experience as stress-free as possible, our esteemed mortgage advisors in Chippenham will also strive to find you a competitive new mortgage tailored to your new home. With their expertise and dedication, you can rest assured that your mortgage matters are in capable hands.

Buy to Let Mortgages in Chippenham

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When it comes to securing a new mortgage for your buy to let property or properties, it is key to ensure that you are getting the best deal that suits your financial situation. As a company, it is our mission to locate that perfect deal that is specifically tailored to your personal and financial circumstances.

Whether you already have an established portfolio of buy to lets in Chippenham or are in the process of expanding it, our team is well-equipped to guide you through the mortgage process. If the time has come for you to consider remortgaging your buy to let in Chippenham, rest assured that we will diligently work to find you the most favourable rate available for your particular situation.

Moreover, our dedicated buy to let team is also experienced in helping landlords who are interested in obtaining an HMO mortgage, a let to buy mortgage, or a holiday let mortgage in Chippenham. We understand the unique complexities and requirements associated with each type of mortgage, and we are here to support you every step of the way.

Remortgaging in Chippenham

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As your fixed mortgage term in Chippenham nears its end, it’s essential to start considering the possibility of remortgaging. Remortgaging entails obtaining a new mortgage product to replace your current agreement.

Failing to remortgage by the end of your fixed term will automatically transition you to your lender’s standard variable rate of interest. This rate is likely to be significantly higher than what you were previously paying, which means your monthly mortgage repayments will likely increase. However, by opting for a remortgage in Chippenham, you can avoid this new interest rate and its potential financial strain.

In my experience as a mortgage broker in Chippenham, I strongly recommend exploring your remortgage options at least six months before your current fixed term concludes. This timeframe allows both you and your mortgage advisor ample opportunity to thoroughly assess your available alternatives. In certain cases, you may even be able to secure an early remortgage and switch to a deal that will ultimately save you money in the long run.

When contemplating the prospect of remortgaging in Chippenham, it’s important to consider additional options as well. For instance, you might consider remortgaging to release equity, which would enable you to access funds for home improvements. Alternatively, you could choose to consolidate your debt into your mortgage. These options may extend your overall mortgage term and potentially increase your monthly repayments. However, they can also prove advantageous in the short-term, depending on your individual circumstances.

Self Employed Mortgages Chippenham

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If you are a self-employed individual in Chippenham, your mortgage journey may differ slightly from that of others. While the overall process remains mostly the same, you will need to provide more documentation to prove your income and affordability for the mortgage application.

When you schedule a free mortgage appointment, your dedicated mortgage advisor in Chippenham will carefully review your financial situation. They will assess whether it is feasible for you to obtain a mortgage, taking into account your self-employment circumstances.

Fortunately, there are specialised mortgage lenders available who cater to self-employed applicants. As mortgage brokers in Chippenham, it is our duty to scour through these lenders and find the mortgage product that aligns with your unique situation.

Rest assured that we understand the challenges and nuances that self-employed individuals face when applying for a mortgage. We are here to guide you through the process and provide the necessary expertise to ensure a smooth mortgage application journey.

Mortgages For Over 50s in Chippenham

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If you are a Chippenham resident who’s crossed the 50-year milestone and is keen on securing a mortgage, we have an entire division dedicated to catering to your later-life mortgage needs. Our team of experts understands that everyone’s circumstances are different, and there are numerous options available to explore.

You might be surprised to learn that traditional mortgage methods could still work for you. Book a free mortgage consultation through our online booking system or reach out to our team over the phone to discuss the various mortgage options at your disposal.

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Our Simple 4-Step Process

Free 30-Minute Mortgage Appointment

Step 1

By following our book online process, you can select the say and time of the appoitment around a time that suits you, subject to avaliability.

We Can Search 1000s of Mortgage Deals

Step 2

Your advisor will then be able to find the most suitable mortgage product. When you are happy with our recommendation, we can then proceed with the mortgage application. After that, we will submit your mortgage application to the lender. It is that simple!

Submit Your Mortgage Application

Step 3

Our team will assign you to a mortgage advisor in Chippenham who will take additional information off you to evaluate your affordability. As well as this, they will be preparing you an Agreement in Principle which usually can be done within 24 hours of your free mortgage appointment.

Protecting You and Your Mortgage

Step 4

Going one step further, well secure you a suitable insurance deal to keep you and the people you care for financially safe. We will also contact you when your mortgage is due for renewal to ensure you are always on the best deal.

Reasons to choose us

Free Appointment in Chippenham

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If you’re in Chippenham and in need of a mortgage advisor, we’ve got you covered! Just hop online or give us a ring to book a free mortgage appointment. Our booking process is easy – simply pick a date and time that works with your schedule. Don’t worry, we’re here to make your mortgage journey a breeze!

1000s of Mortgage Deals

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Being a mortgage broker based in Chippenham, our services are designed to save you time and effort in finding the perfect mortgage for your needs. We understand that every situation is unique, which is why we have the ability to search through countless mortgage options, ensuring we find the one that suits you best.

AIP Within 24 Hours

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In less than a day after your free mortgage consultation, we have the ability to organise a preliminary agreement that works in your favour. This invaluable document proves to potential sellers that you have already gained approval from a trusted mortgage provider, making it easier to submit an offer.

7 Days a Week

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We are available every day of the week, even during bank holidays, to ensure you can reach us at your convenience. Connecting with us for mortgage advice in Chippenham has never been simpler!

Malcolm and Amy Davidson - Mortgage Advice in Bristol

Common Mortgage Questions in Chippenham

How much deposit do I need for a mortgage in Chippenham?

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The response to this inquiry can fluctuate contingent upon your credit score and the kind of mortgage you are seeking to obtain in Chippenham.

For individuals with a strong credit record, the typical deposit required is usually between 5% to 10%. Keep in mind that as the property’s price increases, so does the deposit requirement.

In the instance of bad credit, mortgage lenders may necessitate a deposit ranging from 10% to 15%. Nevertheless, it’s worth noting that having bad credit in Chippenham does not necessarily indicate a negative outcome. We do, however, suggest making an effort to enhance your credit score in order to potentially gain access to more favourable mortgage rates.

If you are contemplating a mortgage for a buy to let property in Chippenham, you will typically be expected to provide a deposit ranging from 25% to 40%.

Can I have more than one mortgage in Chippenham?

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It is indeed possible to obtain multiple mortgages in Chippenham. There are several valid reasons why an individual may consider this option.

One common scenario is the desire to secure a mortgage for a buy to let property, a let to buy arrangement, a holiday home, or something similar. It’s important to note that most mortgage lenders typically require a significant deposit and a robust credit score when considering another mortgage application.

Sometimes, individuals may consider taking out an additional mortgage for the benefit of their children or another family member. This is often done to help a loved one who is facing difficulties in saving up for a deposit.

I have been declined by my bank, can I get a mortgage in Chippenham?

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If you’re thinking about applying for a mortgage in Chippenham, it’s important to evaluate all your options before going ahead. Applying online or through a bank may seem convenient, but it comes with risks. One of the main reasons people get declined is because they don’t meet the necessary criteria.

In such situations, it’s important not to keep submitting applications. This can actually have a negative impact on your credit score and make it even more difficult to secure a mortgage in the future.

That’s why, as a trusted and experienced mortgage advisor in Chippenham, we advise you to consult with a knowledgeable expert who specialises in mortgages. By doing so, you can gain valuable insights into the various mortgage deals available to you.

Additionally, a skilled mortgage advisor will help you in calculating your affordability, ensuring that you make informed decisions throughout the mortgage application process.

Don’t leave the fate of your mortgage application to chance. Seek the guidance of a mortgage broker in Bristol who can navigate the complexities of the mortgage market on your behalf, ultimately leading you towards a more successful outcome.

Are you in a complicated mortgage situation in Chippenham?

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If you find yourself caught up with complicated circumstances, it’s worth considering seeking mortgage advice in Bristol. Engaging in a conversation with a specialist can shed light on fresh possibilities.

Should you encounter any uncertainties relating to a confusing mortgage situation, feel free to reach out to our team. We are eager to address any inquiries you may have and help you in embarking on your mortgage journey in Chippenham.

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Foundation Home Loans & Bristolmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

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Speak to an Advisor – It’s Free!
7 Days a Week, 8am – 10pm

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