Independent financial advice
in Nottingham & the East Midlands
Mortgage Advice in Nottingham, Nottinghamshire and the Surrounding Areas.

Why not Make a FREE initial appointment with one of our Independent Mortgage Advisers to discuss your requirements, they can:

  • Advise you how much you can borrow and over what time frame, how much the repayments will be and ensure that your monthly budget is affordable to you.
  • Compare lenders interest rates, lenders fees, valuation fees, exit penalties and how different lender criteria's will affect your requirements.
  • Discuss the benefits of Fixed or Variable rates.
  • Arrange a formal Lenders "Agreement in Principle" for you which will satisfy any Seller or Estate Agents concerns over your ability to buy.
  • Complete all the required paperwork on your behalf, including application forms and will discuss your circumstances with the lenders in order to secure a written formal offer of a loan for you.

Being independent mortgage advisers allows us to search the whole market to find the mortgage and lender that best matches your needs.We are not tied to an Estate Agent whose principle client is always the "Seller" and whose brokers are usually restricted to a panel of lenders only.

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Do you need an idea of how much you can borrow or have you already made an offer on the home you want to buy and now need to arrange a mortgage? 

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If you are selling your house and buying your next house at the same time, it is probably a while since you last arranged your mortgage. Our mortgage advisors can help you!

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Do you need an idea of what else is available to you in the current market and what the costs and savings will be or how much you can borrow or do you just need help in arranging the whole process?

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If you are a sole trader, a freelancer, a contractor or classed as self-employed and you complete a tax self-assessment, you will not have any payslips but will still need to be able to demonstrate sufficient proof of your income if you want a mortgage.

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We can offer advice on Buy to let Mortgages in Nottingham, Nottinghamshire and the Surrounding areas.  If you are looking to:

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This scheme only requires a 5% deposit and this may be the deal for you, our advisers can discuss and explain to you, all the aspects of this Government scheme.

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We offer advice on Bridging Loans in Nottingham and the Surrounding areas. Bridging loans are a short-term funding option usually required in pressing circumstances and are considered 'lending of last resort'.

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Second Charge Loans have secondary priority behind your main (or first charge) mortgage. They are a secured loan, which means they use your home as security and are very similar to a mortgage.

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Our Mortgage Advisers typical Fees in Nottingham & the surrounding areas. We will discuss your requirement and any fee will be agreed in writing to you prior to any work commencing.

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Shared Equity Mortgage in Nottingham, Nottinghamshire and the surrounding areas. Shared ownership properties are sold by housing associations and allow you to buy a share of a home and rent the rest of the home.

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Mortgage advice fees in London are often extremely expensive in comparison to the Provinces. We give an example so you can understand how this works.

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There are 3 main types of valuation/survey that you need to understand. Here we explain what these are as well as which energy performance certificates you may need.

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Stamp duty varies depending on the value of the property you purchase. It is also different if you are an owner-occupier or if it's a second property.  This will help you understand the stamp duty rates.

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When buying a property you need to consider all the costs associated with purchasing a property. We have given some examples to help you calculate your costs.

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When buying a property mortgage lenders will ask you for information to confirm identity and income. Here is a list of what you need.

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Special legislation applies to HMO’s and the property may need to be licensed by the Council. Although a property may be defined as an HMO, it does not automatically follow that it needs to be licensed.

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There are certain risks associated with Mortgages and investing in property. We point out some of the major risks below which we would urge you to consider seriously before committing yourself to borrowing money.

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We will also discuss the relevant protection policies available when taking out a mortgage if requested to do so.  Protection policies include:

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A Statement of Borrowing / Capacity for Borrowing is often required in Divorce proceedings and is an analysis report of a borrower's circumstances, & a confirmation of lenders expected lending capacity with a confirmation letter to the court.

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