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Reasons to Take Mortgage Advice

If it’s time for a mortgage, most people go straight to the building society or the bank they already have a relationship with. While this may be a good option however, it could also mean you’re limited in your choices.

To ensure that you get the perfect mortgage to meet your requirements, take the time to look over all of the options offered. This is where the distinction of mortgage lenders and brokers becomes more apparent, as mortgage brokers are able to provide you with a the most diverse choices available.

For a start consider speaking with the mortgage advisor – often called a ‘mortgage broker’. With access to a variety of mortgage deals from a variety of lenders, we’ll provide you with the right mortgage advice that is tailored to your requirements.

What is a mortgage consultant?

In simple terms the short version, a mortgage consultant provides guidance on various types of mortgage products. We will assist you right from the beginning in putting your finances in order from the moment you sign the contract, all the way through the day you collect your keys and afterwards. A mortgage advisor can:

Define what the initial steps are.
Do you know what kind of research you’ll need to conduct
Make sure you budget your money to save for your deposit
Find a mortgage for you and complete the application

The great thing is that you can access all of this advice before you begin to search for a house.

Help you find your mortgage

After you’ve secured your deposit and located the house that you like, return to your mortgage advisor who will conduct a search of for thousands of offers from different lenders.

We’ll also find out which mortgage firms are most likely to lend you money depending on the kind of property you’re looking to purchase. This is due to the fact that the mortgage industry is not able to offer loans to all buyers, or for all kinds of homes.

The assistance of an expert to discover the best deals, you’re less likely to get rejected for an mortgage. If you’re not satisfied to satisfy us, we’ll continue our work when you apply to the lender…

Take care of the mortgage application

After we’ve found you the right mortgage, we’ll sort out your application in full – making it easier for you to deal with the documents. We’ll also work with surveys, the legal entity and take care of any documentation. In all, we’ll keep you up-to-date all the way through and be available for any queries regardless of how ridiculous you think they might be!

Help you protect your mortgage insurance

When you purchase a home you’ll require the insurance for contents and buildings. Also, you should consider taking out life insurance as well as critical illness insurance to ensure that you keep a roof over head no matter what. Making this decision on your own as you’re trying to manage documents for your mortgage could feel like a new stress on your shoulders.

There are mortgage advisors who are qualified to provide guidance regarding mortgage insurance as well. We can also search for insurance on your behalf and determine the best policy for your family and you and take care of all paperwork needed – while you focus on getting ready for your home’s move.

Visit this website for mortgages Northern Ireland.

Flexible working hours

A good mortgage advisor can work around your schedule and will be able to schedule appointment times that are based on your work time.

They are also able to handle anything over the phone and via email, which means they’re not limited to office and branch operating hours. Even if you happen to be working long hours and active for the majority of the day, you’ll be in a position to keep the momentum going and be one step closer to owning your own home.

Learn more about how we can help

The process of buying your first home can be difficult however hiring a mortgage consultant to ensure that you get the right loan for your needs – and dealing with any concerns or issues that you face during the purchase process can be extremely beneficial.

For more information on buying the first house of your life, call us today to speak to one of our experts.