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Mortgage Broker in Portishead

& 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 Portishead

& 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 Portishead

If you’re seeking assistance and guidance throughout your mortgage journey, you’ve arrived at the right destination. As a mortgage broker in Portishead, we are dedicated to alleviating all the stress associated with the mortgage process and providing you with a smooth and worry-free experience.

A significant aspect of our service involves helping you determine the amount you can borrow and securing a mortgage deal that is specifically tailored to your individual circumstances. With over two decades of experience in the industry, our goal is to save you both time and money during the mortgage process.

To accommodate your busy personal and professional schedule, we are available seven days a week. You can conveniently reach out to us by booking an appointment online, selecting a date and time that is most suitable for you.

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Popular Mortgage Scenarios in Portishead

All of our customers receive a free mortgage appointment!

Every client can take advantage of our free mortgage consultation. During this meeting, you’ll have the chance to chat with a mortgage advisor in Portishead who specialises in your specific mortgage needs. They’ll be able to address all your mortgage-related inquiries and evaluate your overall mortgage affordability. This will be done by conducting a thorough affordability assessment that takes into account your income, expenses, and more.

Acquiring mortgage guidance in Portishead has never been more convenient. You can book your free appointment online or simply give our team a call. This initial step in the process is completely free and can provide you with a clear understanding of your mortgage options in Portishead.

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Popular Mortgage Scenarios in Portishead

First Time Buyer Mortgages in Portishead

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Entering the realm of mortgages as a new home buyer in Portishead can feel like a daunting task. It’s natural to wonder where to even begin. But fear not, for our role is to be your guiding light through the entire mortgage process. We’re here to support you and ensure that you feel comfortable during this potentially nerve-wracking time.

The first step is understanding your mortgage affordability. We’ll take the time to sit down with you and walk you through the necessary steps to secure your first mortgage in Portishead. Saving for a deposit is a key part of this journey, where you’ll need to have 5%-10% of the property’s value at your disposal. Assuming you have a good credit score, as a first time buyer in Portishead, you should have access to favourable interest rates and competitive products.

However, if you find yourself in the position of being a first time buyer in Portishead with bad credit, you may be required to provide a minimum 10% deposit. Rest assured, during your complimentary mortgage appointment, our knowledgeable mortgage advisor in Portishead will address this and any other concerns related to adverse credit.

Your journey as a first time home buyer starts right here. Don’t hesitate to reach out to our team and get the ball rolling on your mortgage process. We promise to make the entire experience as seamless as possible.

Moving Home Mortgages in Portishead

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Moving home in Portishead involves more than just finding a new place to live; you also need to consider your mortgage options. In some cases, it may not be feasible to transfer your current mortgage to your new Portishead home, necessitating the acquisition of a new mortgage product. Amidst the chaos of moving home, this extra step can become overwhelming. That’s where the expertise of a mortgage broker in Portishead comes into play, ensuring a smooth transition into your new home.

Our team of highly skilled mortgage advisors in Portishead understands the stress that comes with house hunting and moving. As such, we are dedicated to alleviating the burden of securing a mortgage, allowing you to focus on the practicalities of relocation. Our goal is to make the entire process as hassle-free as possible, ensuring that you can settle into your new Portishead home with peace of mind.

By leveraging our extensive network of lenders, our mortgage advisors in Portishead will also strive to find you a competitive mortgage rate for your new property. With access to a wide range of products, we can tailor a mortgage solution that best suits your financial circumstances.

Don’t let the mortgage aspect of relocation overwhelm you. Entrust the task to our experienced mortgage advisors in Portishead, and we’ll guide you through the process with expertise and efficiency.

Buy to Let Mortgages in Portishead

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When it comes to securing a new mortgage for your buy to let property/properties in Portishead, our top priority is to ensure that you are getting the best possible deal for your financial situation. We understand that every individual has unique needs and circumstances, and our mission is to find the perfect mortgage solution that is tailored specifically to you.

Whether you already have a well-established portfolio of buy to let properties in Portishead, or you are just starting out and looking to expand, our team of experts is here to guide you through the entire mortgage process. When the time comes for you to remortgage your buy to let property in Portishead, we will diligently search for the most competitive rates available, ensuring that you continue to benefit from the best financial terms that suit your current circumstances.

Furthermore, our dedicated buy to let team has ample experience helping landlords who are seeking a HMO mortgage, let to buy mortgage, or holiday let mortgage in Portishead. We understand the specific requirements and challenges that come with these types of mortgages, and we are ready to provide our expertise and support throughout the entire application process.

So, whether you are a seasoned buy to let investor or a first time landlord in Portishead, you can trust us to find the perfect mortgage solution that meets your needs and maximises your financial potential.

Remortgaging in Portishead

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As you approach the nearing end of your fixed mortgage term, it’s important to start contemplating remortgaging your current product. Remortgaging involves obtaining a new mortgage product to replace your existing deal.

If you don’t engage in remortgaging by the conclusion of your current fixed term, you will automatically transition to your lender’s standard variable rate of interest. This rate is generally much higher than the one you were previously on, meaning your monthly mortgage repayments might escalate. By opting for a remortgage in Portishead, you can steer clear of this new interest rate.

As trusted mortgage brokers in Portishead, we highly advise delving into your remortgage possibilities up to six months prior to your current fixed term expiring. This duration grants both you and your Portishead mortgage advisor an ample amount of time to analyse your choices. In certain cases, you might even have the opportunity to remortgage ahead of schedule and switch to a deal that ultimately saves you money.

When it comes to remortgaging in Portishead, there are also additional avenues worth exploring, such as remortgaging to release equity, financing home improvements, and consolidating debt into your mortgage. Although these options might extend your overall mortgage term and increase monthly repayments, they can yield short-term benefits as well.

Self Employed Mortgages Portishead

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Being self employed in Portishead means that your mortgage journey may have a few twists and turns compared to those who have typical employment. While the overall process remains fairly similar, you will need to showcase more documentation to prove your income and affordability.

When you book your free mortgage appointment, your knowledgeable mortgage advisor in Portishead will carefully review your credit history. This thorough evaluation is important in determining whether or not you can secure a mortgage, taking into account your unique circumstances as a self-employed individual.

Luckily, there are specialised mortgage lenders out there specifically designed to cater to the needs of self-employed homebuyers. Our role as mortgage brokers is to seek out these lenders and find the perfect mortgage product that suits both you and your individual situation.

Rest assured, we are here to guide you every step of the way and ensure that the mortgage process is as smooth and efficient as possible. Don’t hesitate to reach out to us with any questions or concerns you may have.

Mortgages For Over 50s in Portishead

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Are you aged over 50, and in need of a mortgage in Portishead? Well, you’ve come to the right place! Our exceptional team in the exclusive realm of mortgages for the later stage of life is here to help you.

Navigating through the vast sea of options can be daunting, but fret not! We specialise in finding the perfect mortgage solution tailored to your unique circumstances. It may even surprise you that traditional methods could still lead to the mortgage you desire.

Take the first step towards securing your dream home in Portishead – book a free mortgage appointment online or reach out to our friendly team for a much-needed discussion about all your mortgage options. We’re just a call away.

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Our Simple 4-Step Process

Free Mortgage Appointment

Step 1

Begin by reaching out to our Portishead team and scheduling your free mortgage consultation. During this session, we will thoroughly assess your current mortgage circumstances and gain insight into your goals and aspirations within the property market.

1000s of Mortgage Deals

Step 2

After determining your goals, we begin our quest for a mortgage product personalised to suit your unique circumstances.

With our diligent efforts, we navigate through a vast sea of options, exploring thousands of deals to uncover the perfect choice for you.

Your Mortgage Application

Step 3

Once you are satisfied with the mortgage product we have uncovered for you, we will embark on the journey of preparing your mortgage application. At this stage, you will collaborate closely with a committed case manager who will diligently ensure that your application shines its brightest.

Protecting You and Your Mortgage

Step 4

In mortgage broker in Portishead, our role extends beyond merely finding a mortgage product that suits your needs. We go the extra mile by exploring insurance possibilities to ensure the protection and well-being of you and your loved ones. Once the rigorous search for the perfect mortgage is complete, the next step is to submit your application and patiently wait for the lender’s response.

Reasons to choose us

Free Appointment in Portishead

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If you’re looking for a mortgage advisor in Portishead, all you have to do is make use of our convenient online booking system or give us a ring. It’s as simple as that! Our booking process is a breeze – pick a date and time that works for you, whether it’s in the early hours, the afternoon, or during the evening. We’ve got you covered at any time of day.

1000s of Mortgage Deals

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Being a mortgage broker in Portishead, we possess the expertise to scour through a plethora of mortgage options on your behalf. This enables us to discover the most suitable choice tailored to your individual circumstances. Our access to an array of high street as well as specialist mortgage products means that even if you are burdened with a bad credit history or find yourself in a complex situation, we still have the potential to unearth a viable solution for you.

AIP Within 24 Hours

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In just a day after your free mortgage consultation, we can swiftly secure an arrangement in principle (AIP) on your behalf. This invaluable document serves as proof of your pre-approval by a mortgage lender, which comes in handy when making an offer on a property. Should your AIP expire, a quick and simple solution awaits – just reach out to your trusted mortgage advisor in Portishead, and they will promptly renew it for you.

7 Days a Week

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As a mortgage broker in Portishead, we understand that life can be busy and unpredictable. That’s why we’re here for you 7 days a week, even on some bank holidays. We want to make it as convenient as possible for you to reach out and get the mortgage advice you need.

Malcolm and Amy Davidson - Mortgage Advice in Bristol

Common Mortgage Questions in Portishead

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

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The response to this inquiry might fluctuate based on your credit score and the type of mortgage you are aiming to acquire in Portishead.

If your credit is in good shape, you will typically be required to pay a deposit ranging from 5% to 10%. The costlier the property, the higher the deposit.

Should you have poor credit in Portishead, mortgage lenders may insist on a deposit ranging from 10% to 15%. Nevertheless, having less than ideal credit shouldn’t necessarily deter you. We suggest making efforts to enhance your credit score, as this may enable you to access more favourable mortgage rates in the future.

For those looking to secure a mortgage on a buy to let property in Portishead, a deposit of 25% to 40% will be necessary.

Can I have more than one mortgage in Portishead?

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Certainly, you can absolutely obtain more than one mortgage in Portishead. There are several factors that may lead individuals to consider this option.

One common situation is when an applicant wishes to secure a mortgage for a buy to let property, let to buy arrangement, or even a holiday rental property. It’s essential to note that most mortgage lenders typically require a substantial deposit and a solid credit history when taking out an additional mortgage.

In certain instances, people may seek an additional mortgage to support their children or another family member. This often occurs when a loved one is struggling to save up for a deposit.

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

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When opting to apply for a mortgage digitally or via a conventional bank, you run the risk of facing rejection. This unfortunate scenario may be attributed to various reasons, such as not meeting the stipulated criteria.

It is absolutely imperative that you refrain from repeatedly applying in such situations. Consistently facing rejection will only serve to further damage your credit score.

In light of this, it would be prudent to seek the guidance of a seasoned mortgage broker in Bristol. Engaging with an expert in the field will provide you with insights into the multitude of mortgage options available to you.

Furthermore, a professional mortgage advisor in Bristol will be aptly equipped to compute your affordability, ensuring a comprehensive overview of your financial capabilities.

Are you in a complicated mortgage situation in Portishead?

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If you’re finding yourself tangled in a intricate web of mortgage confusion, it’s time to consider seeking mortgage advice in Bristol. Engaging with a seasoned professional can expand your horizons to unexplored possibilities.

In case you’re grappling with the complexities of your mortgage predicament and have burning questions, don’t hesitate to reach out to our squad. We’re thrilled to lend an ear, address your queries, and set you on the path towards an exciting mortgage journey in Portishead.

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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.

We are entered on the Financial Services Register No. 627742 at

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