As a mortgage broker in Telford, many of our customers often ask us “what does a mortgage broker actually do?”. The answer we reply with is what doesn’t a mortgage broker do throughout the mortgage process?
Whether you are a first time buyer in Telford, looking at moving home, a landlord looking at investing in buy to let or are planning to remortgage, a mortgage broker in Telford like us can help!
We aim to make your mortgage process 10x simpler and stress-free so you can relax and enjoy the process.
As a mortgage broker in Telford, we will provide a helping hand through the entire mortgage process. We don’t just find you a mortgage for your property, we will help you prepare your mortgage application, arrange an AIP within 24 hours, carry out the paperwork and can even help you negotiate with the seller and make an offer on a property if you need help with this.
At the end of the day, a mortgage broker in Telford is here to help you and support you through a stressful experience; that’s what we do and we love our job!
As a mortgage broker in Telford, we are able to search 1000s of mortgage products through our large panel of lenders. Once you have found your dream home, picked out your buy to let property or are ready to remortgage, we can get the mortgage process rolling.
During your free mortgage appointment, we will look at your individual circumstances to get a picture of your mortgage scenario. This will help your mortgage advisor in Telford select the perfect mortgage product for you. We will never recommend a deal to you that is not suitable for your personal and financial situation.
Unlike banks or building societies, we have access to many different lenders, with both high street and specialist mortgage products. The banks can only access their own in-house products and will not be able to search elsewhere on your behalf.
If you want to continue with our service and the product your mortgage advisor in Telford recommended to you, we can begin preparing your mortgage application.
Your mortgage advisor in Telford will hand you over to a dedicated case manager at this point in the process. Here you will begin preparing evidence to support your mortgage application. Your case manager will require you to provide photographic identification, proof of address, bank statements, payslips, proof of deposit and your latest P60.
Your lender needs to know that you are able to afford a mortgage on the property that you are looking at buying. This also applies to those remortgaging, you will still need to pass the lender’s credit checks and affordability assessments.
We will make sure that your application looks as good as it can and that everything is correctly evidenced. Hopefully, we hear good news back from the lender within the next few months.
Our mortgage advisors in Telford are able to arrange an agreement in principle (AIP) for you within 24 hours of your free mortgage appointment. An AIP is a document issued to you by the lender to indicate that you are able to borrow a set amount from them for your mortgage. This is providing that you are able to prove your income with supporting documents when submitting your mortgage application.
Your AIP will be needed to make an offer on a property, and it can be used to negotiate asking prices with the seller in some cases.
We will always deliver open, honest and transparent mortgage advice in Telford. We want to make sure that you are receiving impartial advice that benefits you and your personal and financial situation. We’ll never put you forward for a mortgage product that does not match you.
If you have a complicated situation and you need specialist help, no worries, we have helped many applicants through tricky situations in the past and we would love to help you next. We have over 20 years of experience in the sector and we have likely already come across your situation before.
We have made it nice and easy to book your free mortgage appointment with us. You can either book online via our “get started” process or give us a call. As a responsive mortgage broker in Telford, we want to make it as easy as possible to speak with a mortgage advisor in Telford.
Working 7 days a week means that you can book an appointment at a time most convenient to you. We work around you and your busy personal and working schedule. If you want an appointment early in the morning, during the evening or late at night, no problem! Pick a time that suits you.
Last Edited 14/04/2023