There are plenty of reasons why it might be the right time to remortgage, such as: Your current fixed-rate deal is coming to an end You’re reviewing your finances and think remortgaging could save you money You’re on a standard variable rate and want to lock in a fixed rate You’re looking to release equity from your home to fund improvements

Mortgage Broker In Bracknell

A friendly, professional and stress free service for arranging your mortgage.

Welcome to Your Stress-Free Mortgage Journey

Getting a mortgage doesn’t have to be daunting. I’m here to guide you through every step of the process, offering clear, friendly, and impartial advice that’s tailored to your unique situation. Whether you’re a first-time buyer or looking to remortgage, you can count on me to make things simple and stress-free.

Personalized Advice, Every Step of the Way

No two journeys are the same. That’s why I take the time to get to know your situation, offering you tailored advice that fits your goals. From the initial consultation to the final decision, I’ll be with you to answer your questions and guide you through the process.

Your Mortgage, Made Easy

Getting a mortgage shouldn’t be complicated. I’ll handle the paperwork, search the market, and present you with the best options – all while keeping things simple and straightforward. Let me take care of the details so you can enjoy the exciting part: finding your new home.

First Time Buyers

Buying your first home can feel overwhelming, but I’m here to make it easier. I’ll walk you through the process from start to finish, helping you find the best mortgage deals tailored to your unique situation. Whether you’re looking for help with understanding your options, getting approved, or securing your dream home, I’m here to guide you every step of the way.

Home Mover

Moving home can be exciting, but finding the right mortgage is crucial. Whether you’re upgrading, downsizing, or relocating, I’ll help you secure a mortgage that aligns with your new plans. With my expertise, I’ll make sure you’re well-equipped for a smooth transition into your new home, without the hassle of searching for the best deals yourself.

Remortgage

If your current mortgage deal is coming to an end or you’re looking for better terms, remortgaging can help you save money or release equity. I’ll review your current situation and search the market for the best remortgage options, ensuring you get a deal that suits your needs. I make the remortgage process straightforward, so you can focus on enjoying the benefits of a new, more favourable rate.

Buy To Let

If you’re looking to invest in property, a buy-to-let mortgage could be the right choice for you. I’ll help you navigate the buy-to-let market, from securing competitive mortgage rates to understanding the responsibilities of being a landlord. Whether you’re a first-time investor or looking to expand your portfolio, I’ll guide you to the best solutions that maximise your investment potential.

Further Advance

Need extra funds to make improvements or additions to your home? A further advance could be the right solution. I can help you explore this option by finding competitive rates and lenders that match your financial situation. From home renovations to larger projects, I’ll help you navigate the process and get the funds you need to enhance your property.

Specialist Deals

If you need something a little outside the norm, I can help. From self-employed individuals to those with complex income streams, I specialise in finding mortgages that match unique financial circumstances. I’ll search the market to find specialist deals tailored to your needs, so you can secure a mortgage that fits your lifestyle without any added stress.

Protection

Protecting your home and family is just as important as securing the right mortgage. I offer impartial advice on various protection products, including life insurance, critical illness cover, and income protection. Together, we’ll find the right cover that gives you peace of mind, knowing you and your loved ones are financially protected if the unexpected happens.

Other Services

In addition to the core services, I offer a range of other financial solutions, from mortgage protection to advice on equity release and bridging loans. If you’re not sure what you need, I’m happy to discuss your goals and find a solution that fits your circumstances. Whatever your financial needs, I’m here to help you achieve them with expert, impartial advice.

FAQs

Do I need legal work when remortgaging?admin2024-10-22T12:22:52+00:00

Do I need legal work when remortgaging?

This depends on whether you stay with your current lender or switch to a new one. Remortgaging with your existing lender, known as a product transfer, doesn’t require any extra legal work.

If you switch to a new lender, you’ll need a conveyancer. Some mortgage products include legal fees as part of the deal, so check with me, your adviser to see if this applies to you.

How long does remortgaging take?admin2024-10-22T12:21:53+00:00

How long does remortgaging take?

On average, the remortgaging process takes around four to eight weeks. However, because everyone’s financial situation is unique, the timeframe can vary, so this estimate isn’t guaranteed.

What if I’ve changed jobs since I last took out a mortgage?admin2024-10-22T12:20:04+00:00

What if I’ve changed jobs since I last took out a mortgage?

If you’ve switched roles or increased your salary in full-time employment, you’ll need to provide your new employer’s details when applying for a mortgage.

On the other hand, if you’ve moved to part-time work or your income has decreased, it may affect the amount you can borrow. Different rules also apply for those who are self-employed or on maternity leave when remortgaging.

It’s important to discuss any changes in your circumstances.

What costs should I consider when remortgaging?admin2024-10-22T12:17:34+00:00

What costs should I consider when remortgaging?

Depending on your situation, there are several costs to keep in mind when remortgaging:

Early repayment fee (if you remortgage before your term ends)
Possible product fee from the new lender
Conveyancing and valuation fees
Potential mortgage adviser fee

When’s the right time to remortgage?admin2024-10-22T12:12:02+00:00

When’s the right time to remortgage?

If your discounted term is ending, it’s best to begin the remortgaging process about six months in advance. You can remortgage anytime, but keep in mind that doing so early might come with an early repayment fee.

Should I remortgage?admin2024-10-22T12:09:28+00:00

Should I remortgage?

There are plenty of reasons why it might be the right time to remortgage, such as:

Your current fixed-rate deal is coming to an end
You’re reviewing your finances and think remortgaging could save you money
You’re on a standard variable rate and want to lock in a fixed rate
You’re looking to release equity from your home to fund improvements

What is remortgaging?admin2024-10-22T12:09:18+00:00

What is remortgaging?

Remortgaging means switching your current mortgage to a new deal, either with your existing lender or a different one.

Can I get a mortgage after a separation or divorce?admin2024-10-22T12:00:14+00:00

Can I get a mortgage after a separation or divorce?

Yes, it’s possible to get a mortgage after a separation or divorce, but the process may feel more complex. Lenders will want to understand your new financial situation, including your income and any ongoing commitments like child support or maintenance payments. I can guide you through the process, helping you find the right mortgage that suits your new circumstances, so you can move forward with confidence.

What are my options if I have bad credit?admin2024-10-22T12:00:33+00:00

What are my options if I have bad credit?

If you have bad credit, don’t worry – you still have options. There are specialist lenders that cater to individuals with poor credit histories, and they may offer mortgage deals suited to your situation. While these deals may have higher interest rates, they can help you get onto the property ladder or remortgage. I can help you find the best available options and give you advice on improving your credit for the future.

Can I get a mortgage if I’ve just started working?admin2024-10-22T12:00:36+00:00

Can I get a mortgage if I’ve just started working?

If you’ve recently started a new job, securing a mortgage is still possible. Lenders typically like to see a stable employment history, but many are willing to consider your current circumstances. The key factors are how long you’ve been in the role and whether you’re in a permanent or temporary position. I’ll help you find lenders that are open to considering applicants in new jobs and make sure you’re presented in the best light.

Can I get a mortgage while on maternity leave?admin2024-10-22T12:00:40+00:00

Can I get a mortgage while on maternity leave?

Yes, you can still apply for a mortgage while on maternity leave, but it’s important to consider how your income is assessed. Lenders will look at your maternity pay and may also take your return-to-work salary into account, though this can vary between lenders. I’ll help you find a lender that considers your full financial picture and ensure you’re on the right path to securing your mortgage while on leave.

How much deposit do I need?admin2024-10-22T12:00:45+00:00

How much deposit do I need?

The amount of deposit you need depends on the type of mortgage you’re applying for and your lender’s criteria. Typically, most lenders will ask for at least 5% of the property’s value as a deposit, although having a larger deposit (e.g., 10% or more) could give you access to better rates. I’ll help you understand what’s realistic for your situation and guide you on how much you should aim to save for your deposit.