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Mortgage Broker in Weston-super-Mare

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We can search 1000s of mortgage deals in Weston-super-Mare, trying to find the best one for your personal and financial situation.

For your FREE mortgage appointment in Weston-super-Mare call 0117 440 4704 or Book an appointment online.

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For your FREE mortgage appointment in Weston-super-Mare call 0117 440 4704 or Book an appointment online.

Malcoms Image

We can search 1000s of mortgage deals in Weston-super-Mare, trying to find the best one for your personal and financial situation.

Book Online

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First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

Reviews Stars5.00 Rating2 Reviews

Mortgage Advice in Weston-super-Mare

Welcome, you have come to the right place if you are looking for Mortgage Advice in Weston-super-Mare. We are a Mortgage Broker in Weston-super-Mare, and our job is to help you through your mortgage process; we’ll help you find an appropriate mortgage product for your individual circumstances, measure your affordability based on your credit score and see how much you can borrow.

 

Once you get in touch, we will also be able to arrange an Agreement in Principle for you within 24-hours of your appointment. You will need an AIP to allow you to make an offer on a property. Your Mortgage Advisor in Bristol will sort this for you.

 

As a Mortgage Broker in Bristol, we have access to many lenders, with both high street and specialist deals. To find the right deal for you, we will search through these lenders until we find one that matches your personal and financial situation.

It is important to us that you come out of the process with the best advice possible and a deal that suits you. Your Mortgage Advisor in Bristol will be right by your side throughout the whole process. If you have any questions, they will be the first to help you right away!

Your Mortgage Options in Weston-super-Mare

We work with many different types of mortgage options. Here are the most popular listed below.

First Time Buyer Mortgages in Weston-super-Mare

If you are a First Time Buyer in Weston-super-Mare, we know how it feels not to know how or where to start your mortgage process. This is why we want to offer a helping hand!

 

We will be able to work out how much you are able to borrow for your mortgage and provide an estimate of your monthly mortgage payments. We will then try and find a deal corresponding to your affordability and individual circumstances. We know that you will have lots of questions regarding your mortgage process.

 

If you are struggling to save up for a housing deposit in Weston-super-Mare, you should take a look at some of the government Help to Buy schemes. The included schemes are the Help to Buy Equity Loan, Shared Ownership or the Lifetime ISA.

Moving Home Mortgages in Weston-super-Mare

If you’re Moving Home in Weston-super-Mare, we are also able to help you with this. Judging the fact that you can pass various lending criteria and affordability assessments, we will be able to help you find a suitable mortgage product for your new home.

 

You have to consider that you will not only be buying a property, but you will also be selling one at the same time. We can make this whole process a lot less stressful by offering our helping hand and sorting the mortgage side of the process.

 

You should make sure that you are prepared for the process ahead and check whether you could port your mortgage to your new property. Your Mortgage Advisor in Weston-super-Mare will talk through this with you and help you find out whether this is an option for you. If you cannot do this, you will still need help obtaining a mortgage through the traditional method.

Buy to Let Mortgages in Weston-super-Mare

If you are a landlord looking for a Buy to Let mortgage, you could benefit from using a Mortgage Broker in Weston-super-Mare with experienced, in-depth knowledge of lending criteria, like us!

 

Over our 20 years of helping Buy to Let applicants through their mortgage process, we can say that we have become experts in the field. On our panel, we have many different lenders that offer Buy to Let products, some with competitive rates.

 

As a landlord, you may have different ambitions for your Buy to Let property. HMO, Holiday Let, Let to Buy mortgages and just some of the examples of situations that we are able to help in.

Remortgaging in Weston-super-Mare

When your fixed-rate mortgage is coming to its end, you will need to remortgage in order to avoid falling onto your lender’s standard variable rate. This rate could be significantly higher than your current rate and may end up increasing your monthly repayments.

 

If you are happy with this rate, you can stay on it for as long as you would like. You can still remortgage for other reasons though; for example, you can remortgage for home improvements, to release equity and to consolidate debt into your mortgage.

 

If you are Self Employed, your mortgage process will be the same, however, you will need to supply extra pieces of documentation to evidence your income. Your Mortgage Advisor in Weston-super-Mare will tell you what documents these are.

Why Choose us as your Mortgage Broker in Weston-super-Mare?

We differ from banks and building societies as we are able to search 1000s of deals through different lenders and do not just have access to our own, in-house products. We will also make sure that we are as responsive as possible, ensuring that you receive the best service possible.

 

We work 7 days a week so that you can get in touch at a time that best suits you! As a responsive Mortgage Broker in Weston-super-Mare, you are able to speak with an advisor early in the morning or late in the evening, it’s completely up to you.

Our Simple 4-Step Process

First things first is to book your FREE mortgage appointment online. Choose your preferred date and time for your telephone or video call.

 

During your mortgage appointment, you will cover how much you could borrow, your potential monthly repayments and your Mortgage Advisor in Weston-super-Mare will also be able to prepare an Agreement in Principle for you within 24-hours of your appointment.

 

Following your appointment, your advisor will begin searching for mortgage products that are suited to your personal and financial situation. If we manage to find a deal for you, it is your choice whether you want to continue with it or not.

 

Then we can work together to prepare your mortgage application. From here, it is just a waiting game. If there is an update to your application, your dedicated case manager will inform you and keep you in the loop.

Free Mortgage Appointment

It’s nice and easy to book your free mortgage appointment online. Once you have answered some questions, you will be able to select a date and time for your mortgage appointment.

 

Your case will be paired with a Mortgage Advisor in Weston-super-Mare. This advisor will specialise in your situation and will get an idea of your scenario based on the questions that you have answered.

 

We are available 7 days a week, so book in at a time that is suited to your personal and working scenario. We can’t wait to hear from you!

About Us

We take a great deal of pride in the level of customer service we provide, it’s at the heart of everything we do. Whether you’re dealing with a mortgage advisor or an administrator, our brilliant team are here all throughout the week until late at night, supporting you and your mortgage needs. We love being responsive to your enquiries!

Find Your Mortgage Broker in Weston-super-Mare on Social Media

We’re also quite active on Facebook and Twitter, sharing news and mortgage tips from our website on a daily basis, so it’s always worth checking up to see if there’s something that may help. If you have a mortgage enquiry, we always have someone monitoring the messages ready to respond if needed.

Stress-Free Remortgage Advice in Weston-super-Mare

You can worry less when it comes to the remortgage process! You already own your house this time, so this cuts out the property chain. We will do what we can to ensure that this time around things go as quickly and as smoothly as possible.

We search 1000's of mortgage deals across a large number of lenders, including:

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Common mortgage questions

Typically, our free consultation will last up to an hour or so. Our team can turn around an agreement in principle within 24 hours of speaking to an advisor. A formal mortgage offer can take around three weeks on average.

It’s typically three payslips for an employee to prove their income and the latest 2 years’ accounts for a Self Employed applicant. You will also need to provide the lender with proof of ID, address, and 3 months’ bank statements.

Once you have submitted a minimum one year’s accounts, you can get a mortgage. Most Lenders use your salary plus dividend to calculate the maximum mortgage, whereas some other lenders are known to go off your net profit.

Even if you have had credit problems, you may still be able to get a mortgage, though you may be required to put down a higher deposit than you otherwise would’ve, often 15% of the property purchase price.

The minimum deposit for buying a house in Bristol with High Street Lenders is around 5%. This can be higher if you have had previous credit problems.

You may find that it is possible to get a second mortgage on your home for things like debt consolidation or Home Improvements. If you are looking to take out a mortgage on a second property, either to use it for yourself, a family member, a holiday home, or a Buy to Let, this may also be possible.

An Agreement in Principle will usually last between 30 and 90 days, depending on the lender you go with. If your Agreement in Principle expires, you can always have it refreshed.

To avoid being disappointed if an offer falls through, we recommend that home buyers obtain an Agreement in Principle before you begin viewing properties in Bristol. At the very latest you should obtain an AIP prior to making an offer to assist your bargaining position with a seller.

As a trusted and hard-working mortgage broker in Bristol, we will carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for your situation. A credit check will be required for an Agreement in Principle. Once you have given the lender all the relevant documentation and a valuation of the property has been completed, a formal mortgage offer can be issued.

Your free mortgage consultation with a trusted member of our mortgage advice team in Bristol will last around one hour. From there, your advisor will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether you wish to take it or step back.

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Authorised and Regulated by the Financial Conduct Authority.
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