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Mortgage Broker in Trowbridge

& 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 Trowbridge

& 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 Trowbridge

Welcome to our mortgage advisory service in Trowbridge, where we specialise in helping you throughout your mortgage journey. Our primary goal is to alleviate all the stress associated with the mortgage process, ensuring that you have a smooth and hassle-free experience.

One of the key aspects of our service is to help you determine the amount you can borrow and find a mortgage deal that perfectly fits your unique circumstances. With our extensive 20-year experience in the industry, our aim is to save you both time and money throughout the mortgage process.

To accommodate your busy schedule, we work tirelessly 7 days a week. Feel free to contact us at any time that suits you best, whether it be during your personal time or working hours. Book an appointment online and choose a convenient date and time that suits your needs.

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Popular Mortgage Scenarios in Trowbridge

All of our customers receive a free mortgage appointment!

Take advantage of our free mortgage consultation, tailored to meet your specific mortgage needs. Our experienced mortgage advisors in Trowbridge will guide you through the process, answering all your queries and assessing your mortgage affordability. By conducting a thorough affordability assessment which takes into account your income, expenditure, and more, our advisors ensure that you have a clear understanding of your mortgage options.

Booking your free mortgage consultation in Trowbridge is simple – you can either schedule online or contact our team directly. This initial stage of the process does not incur any charges and provides valuable insights into the mortgage possibilities available to you in Trowbridge.

Our customers’ reviews speak for themselves – they have all benefited from our free mortgage consultations. During your appointment, our dedicated mortgage advisor will provide personalised guidance based on your unique circumstance. Don’t miss the opportunity to discuss your mortgage queries and explore your options with our team. Book your free mortgage consultation today!

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Popular Mortgage Scenarios in Trowbridge

First Time Buyer Mortgages in Trowbridge

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Our role is to provide you with expert guidance and unwavering support throughout the entire mortgage process, ensuring that you feel reassured during this potentially stressful period. Our first order of business is to assess your mortgage affordability. We want to ensure that you comprehend the necessary steps to secure your very first mortgage in Trowbridge.

A significant aspect of any mortgage journey is saving for a deposit. It’s essential that you are capable of providing 5%-10% of the property’s value that you have set your sights on. Assuming you possess a favourable credit score, as a first-time buyer in Trowbridge, you should have access to competitive products and good interest rates.

In the event that you are a first-time buyer in Trowbridge with a less-than-ideal credit history, you may be required to submit a minimum deposit of 10%. Should you have adverse credit, this matter will be thoroughly addressed during your free mortgage consultation with our knowledgeable mortgage advisor in Trowbridge.

Moving Home Mortgages in Trowbridge

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Moving home in Trowbridge isn’t just about finding a new place to settle. You also need to navigate the world of mortgage options. In some cases, it may not be feasible to transfer your current mortgage to your Trowbridge abode.

This means you’ll have to secure a fresh mortgage product. Juggling all of this on top of the many other tasks associated with moving can quickly become overwhelming.

But fear not! Enlisting the services of a mortgage broker in Trowbridge can prove to be highly advantageous for you and your new home. Our team of expert mortgage advisors in Trowbridge will shoulder the burden of mortgage-related stress, freeing you up to focus on the logistics of your move.

With the goal of making the entire process as seamless as possible, our dedicated mortgage advisors in Trowbridge will go the extra mile to secure a competitive mortgage deal for your new Trowbridge residence. so look no further than our esteemed mortgage brokerage for all your housing financial needs!

Buy to Let Mortgages in Trowbridge

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When it comes to securing a new mortgage for your buy to let property/properties in Trowbridge, our goal is to help you find the best possible deal that aligns with your financial situation. We understand the importance of tailoring the mortgage to suit your unique needs.

Whether you currently own properties in Trowbridge or are looking to expand your portfolio, our team is here to guide you through the entire mortgage process. If you’re considering remortgaging your buy to let property in Trowbridge, we will ensure that you’re still benefiting from the most competitive rates available based on your individual circumstances.

Furthermore, our dedicated team also specialises in helping landlords who are interested in obtaining a HMO mortgage, let to buy mortgage, or holiday let mortgage in Trowbridge. We understand the specific requirements and challenges that come with these types of mortgages and can offer the expertise needed for a successful application.

At Bristolmoneyman, we take pride in our commitment to delivering personalised mortgage solutions that are tailored to each client’s needs. Let us help you navigate the mortgage process and secure the best possible deal for your buy to let property/properties in Trowbridge.

Remortgaging in Trowbridge

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As your fixed mortgage term in Trowbridge draws to a close, it’s important to start considering the idea of remortgaging. Remortgaging involves replacing your existing mortgage product with a new one.

If you fail to remortgage before the end of your current fixed term, you’ll automatically be transferred to your lender’s standard variable rate of interest. This rate is typically higher than what you were previously paying, which means your monthly mortgage repayments could go up. However, by opting for a remortgage in Trowbridge, you can avoid this new, higher interest rate.

Here as a mortgage broker in Trowbridge, we strongly advise you to start exploring your remortgaging options up to six months before your current fixed term expires. This way, both you and your mortgage advisor in Trowbridge will have ample time to thoroughly assess your options. In some cases, you may even be able to remortgage ahead of schedule and switch to a deal that saves you money in the long run.

When it comes to remortgaging in Trowbridge, there are also alternative options to consider. For instance, you could choose to remortgage in order to release equity, finance home improvements, or consolidate your debts into your mortgage. While these options may extend the overall term of your mortgage and potentially increase your monthly repayments, they can also provide short-term benefits.

Self Employed Mortgages Trowbridge

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If you happen to be self employed in Trowbridge, the mortgage process may vary slightly compared to other applicants. Although the overall process remains similar, your mortgage application will necessitate additional documentation to verify your income and affordability.

In your free mortgage consultation, your mortgage advisor in Trowbridge will thoroughly review your finances and determine the feasibility of obtaining a mortgage considering your self employed status.

There are specialised mortgage lenders available to help individuals who are self employed. Our role is to diligently search for these lenders and discover the ideal mortgage product tailored to your specific circumstances.

Mortgages For Over 50s in Trowbridge

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If you’re a resident of Trowbridge aged 50 or above and seeking a mortgage, connect with our specialised department that caters to the unique needs of later-life mortgage holders.

The market is brimming with various alternatives, and we can help you navigate them to find the one that suits your specific situation. Surprisingly, conventional methods might still be viable for your mortgage needs.

To explore your mortgage options further, simply book a free appointment on our website or reach out to our team via phone call.

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Our Simple 4-Step Process

Free 30-Minute Mortgage Appointment

Step 1

Contact our team today to schedule a free mortgage consultation in Trowbridge. In this session, we will thoroughly assess your mortgage needs and gain a comprehensive understanding of your financial goals.

We Can Search 1000s of Mortgage Deals

Step 2

When we have a better understanding of your goals, we’ll begin the hunt for a mortgage plan that perfectly aligns with your unique circumstances. Rest assured, our extensive research will leave no stone unturned as we sift through countless options to find the one that suits you best.

Submit Your Mortgage Application

Step 3

Once you are satisfied with the mortgage scheme we have curated for you, we can proceed with the necessary steps to prepare your mortgage application in Trowbridge. Subsequently, a diligent case manager will be assigned to your case to ensure that your application is presented in the most favourable light possible.

Protecting You and Your Mortgage

Step 4

As a mortgage broker in Trowbridge, we go beyond the typical search for a compatible mortgage product. Our dedication extends to exploring insurance solutions that guard your family’s security and peace of mind. After carefully aligning your needs with the right mortgage, the final step involves submitting your application and patiently awaiting the lender’s response. Rest assured, we’ll guide you through this process with expertise and support.

Reasons to Choose Us

About Us

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To connect with a mortgage expert in Trowbridge, all you need to do is arrange a free mortgage consultation through our user-friendly online system or by reaching out to us directly. Our streamlined booking procedure allows you to effortlessly choose a convenient date and time for the appointment. Whether you’re an early bird, prefer midday discussions, or find solace in the evenings, we have various time slots available to accommodate your schedule.

1000s of Mortgage Deals

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Being a mortgage broker in Trowbridge, we take pride in our ability to scour through a vast array of mortgage options tailor-made for your situation. No matter what your circumstances are, we possess the means to unearth the perfect mortgage for you. Our access to a multitude of high street and specialised mortgage products enables us to go beyond the ordinary. So, even if you’re grappling with a tarnished credit history or stuck in a complex situation, there’s still hope. We might just have the ideal solution waiting for you.

AIP Within 24 Hours

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In just a day after your free mortgage consultation, we can set up an agreement in principle (AIP) on your behalf. This nifty document proves your pre-approval from a mortgage lender and is especially useful when making an offer on a property. If your AIP happens to expire, just reach out to your trusted mortgage advisor in Trowbridge and they’ll be happy to renew it for you.

7 Days a Week

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As a mortgage broker in Trowbridge, we understand the importance of convenience. We are available seven days a week, allowing you to reach out to us at your convenience. That’s right, even during bank holidays! Getting the best mortgage advice in Trowbridge has never been more accessible.

Malcolm and Amy Davidson - Mortgage Advice in Bristol

Common Mortgage Questions in Trowbridge

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

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The response to this inquiry can differ based on your credit rating and the mortgage plan you intend to obtain in Trowbridge.

Suppose your credit is good; then, usually, you must make a down payment ranging from 5% to 10%. The deposit will increase along with the property’s cost.

In the case of poor credit, mortgage lenders may ask for a deposit ranging from 10% to 15%. Having less-than-perfect credit in Trowbridge is not necessarily a hindrance; nevertheless, we strongly advise you to take steps to improve your credit score. This will increase your chances of accessing more attractive mortgage rates.

If your intention is to apply for a mortgage on a buy-to-let property in Trowbridge, you will need to provide a deposit ranging from 25% to 40%.

Can I have more than one mortgage in Trowbridge?

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Indeed, it is entirely feasible to secure multiple mortgages in Trowbridge. Numerous factors may compel individuals to pursue this course of action.

A common scenario involves individuals seeking to obtain a mortgage for purposes such as buy to let, let to buy, or holiday let. It is important to bear in mind that when applying for another mortgage, most lenders will demand a substantial down payment and impeccable creditworthiness.

There are also cases where individuals may opt to obtain an additional mortgage on behalf of their children or another family member. Typically, this is done to help those who are finding it challenging to save up for a deposit.

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

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If you choose to apply for a mortgage online or via a bank in Trowbridge, there is a chance that you could face rejection. There are several factors that could contribute to this, such as not meeting the necessary criteria.

It is important to remember not to keep making multiple applications. The more rejections you receive, the more damage it can do to your credit rating.

As a mortgage broker in Bristol, we strongly advise seeking advice from a reputable professional. By doing so, you can gain insight into the various mortgage deals that may be available to you. In addition, a skilled mortgage advisor in Bristol will be able to assess your affordability and guide you accordingly.

Are you in a complicated mortgage situation in Trowbridge?

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If you find yourself in a perplexing predicament, it would be wise to seek mortgage advice in Bristol. A conversation with a knowledgeable professional could unveil fresh possibilities. Should you have any uncertainties about your intricate mortgage situation, feel free to reach out to our team. We would be delighted to address your queries and help you in embarking on your mortgage journey in Trowbridge.

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

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