When you think of financial commitments buying a home or investment property and taking on the mortgage to do so is a pretty serious one, so of course, you want to make sure you get the best deal possible and we are here to help you be sure you do. Our mortgage services are impartial and independent and we provide advice on the 'whole of market' as well as looking at any deal you can get from your existing lender (if you have one).
Whether you are buying for the first time, moving up the ladder, downsizing, investing in property we can help you to secure the best deal possible both when buying and when it's time to remortgage to get a better deal.
It can be very difficult to compare mortgages, it's more than just interest rates, it's more than the monthly payment, it's about total cost, but then is it about total cost during the deal period or through the life of the mortgage? It's our job to help you see through all of this by understanding what matters to you we can identify the best option for you so that you can sleep easy knowing that you got the best deal possible.
Whether you've found your dream home, you're just starting to look or you know your mortgage deal is coming to an end in the next year it's never too soon to contact us for a quick chat to see what your next step should be and when to take it.
Stage 1: Get To Know You Meeting
To help you best we have to understand, what you want, why you want it and where you are at now. This meeting is crucial to us being able to get you the best deal possible.
We are based in Houghton le Spring just off the A690 between Durham City and Sunderland, if you are based in the area you can meet us in or offices or we can come and see you at home or work. If you're somewhere else in the UK then we can arrange our meeting via the phone or the internet, geography is not an obstacle.
Stage 2: The Research
After our initial meeting, we'll research answers to all your questions, if you're ready to apply for a mortgage we'll find you the deal. If you're still house hunting we'll find out how much you can borrow and get you an agreement in principle (AIP) from a mortgage lender so that you can move forward with your search.
Stage 3: The Mortgage Application
When you're ready to make your application we will prepare it and submit it for you you will deal with us directly and we will deal with the lender on your behalf making things as smooth and simple for you as they possibly can be, having us by your side to explain everything you need to consider and every question that comes up. We'll be right there with you from filling out the form till the moment the mortgage completes and beyond.
Stage 4:The Next Time
The vast majority of the time your mortgage will have an initial deal period when the deal runs out you will be able to remortgage to keep your mortgage costs as low as possible. When that time comes (with your permission) we will send you a reminder and schedule a chat so we can start the ball rolling on getting you a new deal.
If we can't get you the mortgage you need there is no charge, we only get paid when you get your mortgage completed so there is never any risk to you contact us on 0191 406 6453 for a chat to see how we can help you.
For mortgage advice and arrangement we will receive a commission payment from the lender. Also, new mortgage customers will be charged a fee of £200 on successful completion of your mortgage, for existing mortgage customers the fee is waived. If you prefer us not to take a commission we can allow you to pay an agreed fee instead. And in very complex cases we reserve the right to agree on an additional fee with you, this fee would be agreed at the very first meeting.
Your home may be repossessed if you do not keep up repayments on your mortgage.