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Independent Mortgage Advice Wilmslow

Your Mortgage Options provides completely Independent Mortgage Advice in Wilmslow. With access to the whole of the market, we’ll explore all of Your Mortgage Options and guide you through the process to find the right mortgage product and place independently place you with the best provider, most closely matched to your specific needs and personal circumstances. Whatever they may be.

When buying a home in Wilmslow, we can help you with all you’ll need to know to enable you to decide which type of mortgage is the most appropriate for you. Based on the information you give us, our experts in Wilmslow will search the entirety of the mortgage market and find the most suitable products for you.

With so many mortgage options to explore from so many mortgage providers; it can feel overwhelming at first, which is where we come in to help with mortgage advice in Wilmslow.

We are a team of experts with access to the whole panel of mortgage lenders. So we can help you with Mortgage Advice in Wilmslow whether you are a first time buyer, self employed or even if you have less than perfect credit history, we’ll tailor our search to you. We can also offer guidance and advice if you are looking for a bridging loan for property developments or to release equity from your home in Wilmslow.

Our team of highly qualified and experienced professionals are experts in mortgages of all kinds: Residential and Commercial, Bridging Loans, Self build and Flexible, Offset and Retirement Interest Only, even if you have CCJ’s or Bad Credit, the list of all Your Mortgage Options seem almost endless. Speak to one of our friendly team today who can provide you with tailored Mortgage Advice in Wilmslow.

How We Help With Mortgage Advice in Wilmslow

For the vast majority of people today, buying a property and getting a mortgage is one of the trickiest decisions that they will ever have to make. It’s a decision that you certainly don’t want to risk getting wrong, which is why getting expert Independent Mortgage Advice in Wilmslow will highlight all you need to know so you can decide on the best route forwards. Previously, in times gone by, you might have been able to speak to your bank manager about getting a mortgage, but this is less common nowadays and limits your options to the products available from just one lender.

People of all ages and in all financial positions can benefit from professional Mortgage Advice here in Wilmslow. So we can help you consider all Your Mortgage Options whether you’re a first-time buyer, a property developer, or somebody looking to remortgage or to release equity from their property. You’ll want to ensure that you are getting the very best deal available and we can help you assess the whole of the market for Mortgages in Wilmslow. Many are surprised to learn that even if they have a poor credit history, it’s possible to obtain a mortgage with the right advice. Speak to one of our Wilmslow mortgage advisors today and learn more about all of Your Mortgage Options with a free, no obligation initial consultation.

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Why Choose Us For Mortgage Advice in Wilmslow?

Whole of Market Access

There are many different types of mortgages available to you so only looking at deals from just one lender means you’re not so likely to end up even knowing what’s your best option. Our Mortgage Advisors in Wilmslow have access to the whole of the market, including products not available from high street lenders.

We Are On Your Side

Our Wilmslow Mortgage Advisors work for you and not the lender, so they will act independently and solely in your best interests. Therefore you can have confidence and certainty that the mortgage we recommend for you after careful consideration will be the best available product, suited to your specific circumstances.

We Do The Hard Work For You

At Your Mortgage Options, our professional team of mortgage advisors leave no stone unturned in our whole of market research here in Wilmslow. We will also help you with the whole process from end to end, including assisting where necessary with all the paperwork and can even arrange solicitors and conveyancing.

We Consider Your Circumstances

we work slightly different to when approaching a single lender directly, as we seek to carefully place you with the right mortgage product and provider that works best for you and your unique circumstances here in Wilmslow. We will assess all that you can realistically afford and guide you through all of Your Mortgage Options.

Mortgage Advice Wilmslow FAQs

The amount you can borrow depends on your personal situation, your household income and current credit commitments. All lenders have different ways of calculating what someone can borrow. They’ll take into consideration factors such as:

  • How much deposit you can put down
  • Type of employment
  • Your salary (combined if you’re buying with a partner)
  • Your monthly outgoings
  • Your credit history and rating

By speaking to an advisor and getting expert mortgage advice in Wilmslow, you’ll have a much better understanding of how much you will be able to borrow. This will guide you on your house buying journey, as you’ll know what properties in Wilmslow are affordable.

Because of the Coronavirus, there is now help available from the government which enables people to put down as little as 5% deposit for a mortgage for a property up to the value of £600,000. Speak to one of our Mortgage Advisors in Wilmslow who can guide you through an initial consultation so you can be aware of all Your Mortgage Options today.

 

A Repayment Mortgage is guaranteed to pay off the mortgage in full by the end of the term whereas an Interest Only Mortgage has monthly payments which cover only the cost of the interest and your loan amount will remain the same.

At the end of the term you would either need to sell the property to repay the mortgage or find another way to repay the loan.

If you’re thinking of enquiring about mortgage advice in Wilmslow, the sooner you speak to and expert the better. Involving a mortgage advisor earlier on in the application process gives us more opportunity to help you and reduces the stress and disappointment of not being able to secure a mortgage that suits your needs.

Buying a home and taking out a mortgage is one of the biggest decisions you’ll ever make, so it helps to be able to draw upon the knowledge of a qualified professional. There’s also a lot to wrap your head around, especially if you’re a first time buyer, self employed, or if you’ve got a bad credit record.

The most common term for a mortgage is 25 years, but 35 year and even 40 year mortgages are also available. Longer term mortgages might come with higher arrangement fees and interest rates attached, but they can offer a degree of flexibility which is helpful for those whose income might fluctuate month to month.

For example if your deal allows you to make overpayments (which many do), you could pay extra on your monthly repayments when your income allows you to do so. If times become a bit tighter and your income is reduced, you could then revert back to repaying the smaller amount.

Get in touch today for mortgage advice in Wilmslow, to find out which mortgage term would be best for you and your situation.

This will vary depending upon the mortgage loan amount, the interest rate and the term of the mortgage. Enquire now for a free consultation for Mortgage Advice in Wilmslow to discover all Your Mortgage Options.

As a bare minimum, the building itself needs to be insured and we would usually recommend that you also have contents cover within your home too.  Other insurances we recommend are life insurance, critical income cover and income protection insurance, all of which can be quoted from across the whole of the market.

Yes, you can pay your mortgage off early. However, you might find that you have early repayment charges to pay if you have only had your mortgage for a short period of time.

Not typically for a house in which you reside, but if you have any homes that wee bought as Buy to Lets, then these may well be subject to Capital Gains Tax.

Get in touch today to arrange a free consultation with one of our Mortgage Advisors in Wilmslow to discuss all of Your Mortgage Options

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