Why Use a Mortgage Advisor?

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Why Use a Mortgage Advisor?

Getting a mortgage is one of the biggest financial decisions you will make, so it’s important to get it right. The mortgage market is incredibly competitive and it can be hard to understand what exactly is on offer. There are many different providers and a wide range of products and rates available. You should end up with a mortgage that suits your needs and circumstances, this is why it’s important to get advice from an independent mortgage broker. Not only will they search the entire market on your behalf, they will find you the best deal available for you circumstances.

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If you don’t seek professional mortgage advise, you could end up:

  • With the wrong mortgage for your situation, which would be a costly mistake in the long run.
  • Being rejected by your chosen lender, because you didn’t understand the restrictions clearly or what circumstances the mortgage was designed for.

A mortgage broker, also known as an independent mortgage adviser, is a specialist with in-depth knowledge of the market. They’re able to look at a range of mortgage products which suit your needs. The advisers will also have access to exclusive deals on the market, and some specialist lenders can only be accessed through a mortgage adviser.

What Will A Mortgage Broker Do For Me?

Before you pay any money to a mortgage broker, they can help you find out:

  • The type of mortgage you need
  • How much you can borrow and for how long
  • The type of interest and rate that you can borrow at

When you instruct a mortgage adviser, they will:

  • Gather all documents that a lender will need
  • Fill in your mortgage application
  • Liaise with the mortgage lender to get the application through as quickly as possible
  • Liaise with your solicitor

Basically, the advisor will take all the stress out of arranging mortgage, for example, purchasing a house. 

How Can Friends Capital Help?

Friends Capital have existing relationships with lenders and are experts in arranging  financing. We can help you find the best possible mortgage deal. We will review your personal circumstances and then search the entire market to ensure you get the best mortgage rates possible. We will then deal with all the paperwork, submit your mortgage application, liaise with your mortgage lender and solicitor, and ensure that your mortgage application is completed as quickly as possible. We can:  

  • Save you money on your mortgage deal 
  • Offer a free consultation 
  • Offer unbiased financial advice 
  • Save you time in your mortgage application 
  • Give you a dedicated account manager who is available to you through the process 

Two Steps to Contacting Friends Capital 

Step 1 

Either call us, email us or request a call back using our call back submission form. 

Step 2 

One of our friendly advisors will either call you back within 24 hours (usually the same working day), or will take details from you in order to best deal with your situation. 

When you speak with us, we will take a ‘fact find’. At this stage we take basic details about your situation. We will then search the whole of the market and find you the best deal available. 

If you are happy with the deal that we offer, we will then contact the lender for you and get you what is called a ‘decision in principal’. 

If you’re happy with the decision in principal then we will secure this deal for you and deal with the application for you on your behalf. 

We aim to get the lowest mortgage rates on the market

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