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Mortgage Broker in Swindon

& 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 Swindon

& 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 Swindon

If you’re in need of assistance and guidance throughout your mortgage journey, you’ve landed on the right page. As a mortgage broker in Swindon, our mission is to alleviate all the stress and worry that comes with the mortgage process, granting you a smooth and hassle-free experience.

Our thorough service encompasses determining your borrowing capacity and finding a mortgage deal that aligns perfectly with your unique circumstances. With our extensive 20-year background in the industry, we strive to save you both time and money during the mortgage process.

Our commitment to convenience is unwavering, as we are available 7 days a week. So no matter how demanding your personal and professional schedule may be, we’ll be there to answer your queries and provide assistance at a time that suits you best. Feel free to book online and select a date and time that works perfectly for you.

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Popular Mortgage Scenarios in Swindon

All of our customers receive a free mortgage appointment!

Take advantage of our free mortgage consultation for every customer. When you book your appointment, you’ll have the opportunity to speak with a knowledgeable mortgage advisor right here in Swindon, who specializes in your particular mortgage needs.

They will provide expert guidance, answer all your mortgage-related questions, and analyse your overall mortgage affordability. By conducting a thorough affordability assessment, they will carefully examine your income, outgoings, and other relevant factors.

Conveniently book your free mortgage consultation online or give our team a call. This initial step in the process incurs no cost to you, allowing you to gain a clear understanding of your mortgage options in Swindon.

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Popular Mortgage Scenarios in Swindon

First Time Buyer Mortgages in Swindon

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Entering the realm of mortgages for the first time in Swindon can be quite overwhelming. It’s natural to feel a little lost and unsure about where to begin. But fear not, for our dedicated team of mortgage brokers is here to provide you with guidance and support every step of the way.

Our main goal is to ensure that you feel comfortable and at ease during this potentially stressful process. We start by assessing your mortgage affordability, breaking down the necessary steps needed to secure your first mortgage in Swindon.

An important aspect of any mortgage journey lies in saving up for a deposit. It’s important that you can contribute 5%-10% of the property’s value that you’re interested in purchasing. Assuming you have a good credit score, as a first-time buyer in Swindon, you have access to favourable interest rates and competitive products.

However, if you find yourself in the unfortunate situation of having bad credit, you may need to put down a minimum deposit of 10%. Don’t fret though, during your complimentary mortgage appointment, our knowledgeable mortgage advisor in Swindon will address this issue and provide you with the necessary information.

Your exciting journey as a first time buyer in Swindon begins right here. Don’t hesitate to get in touch with our team, and we’ll help you kickstart the process with simplicity and confidence.

Moving Home Mortgages in Swindon

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When it comes to moving home in Swindon, it’s not just about finding a new place to call home. You also need to consider your mortgage options. In some cases, you won’t be able to transfer your existing mortgage to your new Swindon abode, which means you’ll have to apply for a new mortgage product.

With all the chaos that comes with moving, this can become overwhelming. But fear not, because enlisting the help of a mortgage broker in Swindon can prove incredibly valuable for you and your new home. Our team of mortgage advisors in Swindon will take all the mortgage-related stress off your plate, allowing you to focus on the important task at hand – settling into your new abode.

Our mortgage advisors in Swindon are dedicated to making the entire mortgage process as seamless as possible. They’ll not only alleviate your stress but also work hard to find you a competitive mortgage deal for your new Swindon property.

In conclusion, don’t let the mortgage aspect of moving to Swindon add unnecessary stress to your life. Leave it to our mortgage advisors in Swindon, who will ensure a smooth transition to your new home.

Buy to Let Mortgages in Swindon

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When it comes to securing a new mortgage for your investment properties in Swindon, it’s important to find the best deal that suits your financial needs. Our mission is to find that perfect mortgage package, tailored specifically to your personal and financial situation.

Whether you already own a thriving portfolio of buy to let properties in Swindon or are just starting out, our expert team is here to guide you through the mortgage process. When it’s time to remortgage your buy to let property in Swindon, we’ll make sure you secure the best possible rate based on your individual circumstances.

At our agency, we don’t just stop at traditional buy to let mortgages. Our dedicated specialists also help landlords looking to obtain HMO mortgages, let to buy mortgages, or even holiday let mortgages in Swindon.

Rest assured, with our knowledge and experience in the mortgage market, we’ll help you navigate the complexities and find the ideal mortgage solution for your Swindon properties.

Remortgaging in Swindon

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As your time with your fixed mortgage term in Swindon draws to a close, it’s essential to start contemplating remortgaging your existing product. Remortgaging essentially means taking out a new mortgage product to replace your current arrangement.

If you choose not to remortgage before the end of your current fixed term, you will automatically be switched to your lender’s standard variable rate of interest. This rate is typically higher than what you were previously paying, potentially leading to an increase in your monthly mortgage repayments. By opting for a remortgage in Swindon, you can avoid this higher interest rate.

As a mortgage broker specialising in Swindon, we advise exploring your remortgage options up to six months before your current fixed term expires. This timeframe allows both you and your mortgage advisor in Swindon ample opportunity to assess your choices. Occasionally, you may even be able to remortgage ahead of schedule and transition to a deal that ultimately saves you money in the long haul.

When it comes to remortgaging in Swindon, there are additional considerations worth pondering, such as remortgaging to release equity, financing home improvements, or consolidating debt into your mortgage. Although these options may result in an extended overall mortgage term and higher monthly repayments, they can also offer short-term benefits.

Self Employed Mortgages Swindon

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If you work for yourself in Swindon, the process of getting a mortgage may have small differences compared to other applicants. The general process remains largely unchanged, but you will likely be asked to provide more documentation to prove your income and show that you can afford the mortgage.

During your free mortgage consultation, your mortgage advisor in Swindon will carefully review your financial situation and determine if it’s possible for you to secure a mortgage given your self-employed status.

Fortunately, there are lenders who specialise in helping self-employed individuals. It is our responsibility to search for these lenders and find the mortgage product that best suits your needs and circumstances.

Mortgages For Over 50s in Swindon

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If you are a resident of Swindon who is aged 50 or above and keen on obtaining a mortgage, our specialised department for later-life mortgages is at your service. With a wide variety of choices to consider, our aim is to find the perfect one that suits your unique situation.

Surprisingly, you may even be eligible for a traditional mortgage. To explore all available possibilities or to seek further guidance, you can conveniently schedule a complimentary mortgage consultation online or give our team a call.

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Our Simple 4-Step Process

Free Mortgage Appointment

Step 1

Contact us today and secure your free mortgage appointment with our dedicated team. During this appointment, we will carefully assess your unique mortgage circumstances, enabling us to gain an understanding of your financial goals in Swindon.

1000s of Mortgage Deals

Step 2

Once we have a clear understanding of your goals, we can begin exploring Swindon mortgage products that suit your unique situation. Our dedicated team will tirelessly sift through countless options, guaranteeing we discover the perfect fit for you. Rest assured, our extensive search will leave no stone unturned in helping you secure the best deal available.

Your Mortgage Application

Step 3

Once you’ve given your stamp of approval to the mortgage product we’ve unearthed for you, we can start the groundwork for your Swindon mortgage application. From this point onwards, you’ll have the privilege of collaborating with a proficient case manager whose sole purpose is to elevate your application to its optimal status.

Protecting You and Your Mortgage

Step 4

As a mortgage broker in Swindon, we go beyond the search for the perfect mortgage solution; we also delve into the realm of insurance. This way, not only you but also your loved ones will thrive under the comfort of financial security. Once we’ve found the right fit for you, there’s only one thing left to do – submit your mortgage application and eagerly anticipate the lender’s response!

Reasons to Choose Us

Free Appointment in Swindon

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If you’re looking for mortgage advice in Swindon, reaching out to a mortgage advisor is just a few clicks or a phone call away. Book your free mortgage appointment online or get in touch with us directly. Our booking process is simple and intuitive, allowing you to find a convenient date and time that perfectly aligns with your schedule. Whether you’re an early bird or a night owl, we’ve got you covered with a range of slots available in the morning, afternoon, and evening. So take the first step towards your dream home and connect with us today.

1000s of Mortgage Deals

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As a mortgage broker in Swindon, we take pride in our ability to sift through a vast range of mortgage options on your behalf. This empowers us to identify the ideal solution tailored to your specific circumstances. In Swindon, we have the privilege of accessing a diverse pool of mortgage products from both mainstream lenders and niche providers. This ensures that even if you have a less-than-perfect credit history or are faced with a complex situation, we possess the expertise and resources to potentially secure a suitable mortgage for you.

AIP Within 24 Hours

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In just under one day after your free mortgage consultation, we have the power to organise a agreement in principle on your behalf. This nifty document will prove invaluable when you’re ready to make an offer on a property, as it demonstrates that you have received pre-approval from a mortgage provider. Should your AIP reach its expiration date, just reach out to your trusted mortgage advisor in Swindon and they will be more than happy to renew it for you.

7 Days a Week

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We are available every day of the week, including most bank holidays, to ensure you can reach us at your convenience. Connecting with us for mortgage advice in Swindon has never been more convenient!

Malcolm and Amy Davidson - Mortgage Advice in Bristol

Common Mortgage Questions in Swindon

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

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

For individuals with a good credit rating, a down payment of 5% to 10% is typically required. The costlier the property, the larger the deposit expected.

On the other hand, if you possess bad credit, mortgage lenders might request a deposit ranging from 10% to 15%. Despite having unfavourable credit in Swindon, it is not necessarily a disadvantage. Nonetheless, we advise working on enhancing your credit score to potentially secure more favourable mortgage rates.

For those intending to secure a mortgage for a buy to let property in Swindon, a deposit of 25% to 40% will be necessary.

Can I have more than one mortgage in Swindon?

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Certainly, it is definitely feasible to secure multiple mortgages in Swindon. There are numerous factors that could lead to this decision.

One common situation is when an individual desires to invest in properties for purposes such as the buy to let market, let to buy arrangements, or even holiday rentals. It is important to bear in mind that most mortgage providers typically insist on a substantial down payment and a robust credit rating when considering another mortgage application.

On occasion, people may opt for an additional mortgage to help their children or another family member. This is often done when a loved one finds it challenging to save up for a deposit.

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

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When it comes to applying for a mortgage in Swindon, whether online or through a bank, it’s important to be aware of the potential risks involved. There’s always a chance that you may not meet the criteria and end up being declined.

However, the key thing to remember is not to repeatedly apply in desperation. Each time you’re declined, it can have a negative impact on your credit score, making it even more challenging to secure a mortgage in the future.

That’s why, as a knowledgeable mortgage broker in Bristol, we strongly advise reaching out to a mortgage expert for guidance. By speaking with an experienced mortgage advisor in Bristol, you can gain valuable insight into the types of mortgage deals available to you. Additionally, they can help in determining your affordability, taking into account your financial situation and specific needs.

By seeking professional mortgage advice in Bristol and support, you can significantly improve your chances of finding the right mortgage option and avoiding unnecessary setbacks on your journey to homeownership.

Are you in a complicated mortgage situation in Swindon?

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If you find yourself entangled in a convoluted predicament, it would be wise to seek mortgage counsel in Swindon. Engaging with an experienced professional could reveal fresh possibilities you never knew existed. Should you find yourself plagued with uncertainties about the complexities of your mortgage circumstances, feel free to reach out to our team. We are eager to address your queries and help you in embarking on your mortgage expedition in our vibrant town of Swindon.

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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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