Getting a mortgage can be a formidable prospect. It’s natural, a mortgage is generally the most substantial investment a person will make during their lifetime, and so it’s singularly vital that you make the correct decision when it comes to it. This inherent pressure is then further amplified by the commonly-accepted implication that the mortgage process involves a great deal of complicated paperwork, all of which distracts you from that integral goal of securing your dream home.
However, placing your foot onto the property ladder doesn’t have to be as stressful as it’s usually made out to be - having the right guidance goes a considerable way in simplifying the whole procedure. We at The Mortgage Genie believe that every step towards owning your own house should be marked by excitement and satisfaction, and this is precisely the attitude we adopted when designing our mortgage services.
Our Mortgage Advice Services
Our team comprises only those expert mortgage consultants who are comprehensively familiar with the market, how it works, and the vast range of products that are hosted there. Meaning, you can rest assured that your needs will be addressed at each and every step of the way. From the initial research and filling out of application forms, all the way to the point of finalisation, we’ll be right there at hand to assist you.
Many people come to feel disheartened due to having negative experiences with the mortgage market, whether it’s not being able to find a fitting product, being rejected, or otherwise. We are committed to preventing such cases because we understand, fundamentally, that the key to your success as a mortgage candidate lies in simply getting to know you.
Indeed, the most typical issue regarding someone’s application boils down to submitting it to the wrong mortgage provider. Whenever we take on a new client, we make it our mission to assimilate their personal situation and financial circumstances. So that, ultimately, we can match them with a suitable lender from the selected pool we have access to, one who is accustomed to their specific position. Our tailored approach has resulted in all of our clients getting their hands on the mortgage solution that’s ideal for them, a reality which is available to you too.
Mortgages We Can Help With
Rather than being rigid and inflexible, mortgages are actually quite versatile, and so come in a wide variety of forms. Importantly, a mortgage type aligning to one individual’s requirements is rarely appropriate for another. We account for everyone’s intrinsic differences by offering help concerning every distinctive mortgage deal. In essence, our mortgage services cover:
As the above indicates, we are fully capable of catering to those mortgages which are a degree or two more complex, and so demand the attention of specialist lenders. Having said this, our chosen panel does include high-street lenders as well.
As such, if it’s a standard residential mortgage you’re after, then our professionals are more than equipped to set you in the best direction. Regardless of the LTV ratio, we guarantee to open you up to the most competitive interest rates according to your current finances. Likewise, getting you a solid remortgage deal for your existing house is not a problem for us either. To top our service off, we’ll even talk you through insurance options so that you can protect your home and family after you’ve moved into your desired property.
Tools for Mortgage Applications
When applying for a mortgage, it’s good to get an idea of what your standing is beforehand. This primarily owes to the fact that mortgage providers will carry out a hard credit check on your profile, and this will leave a mark on your report. For this reason, we recommend that you use the tools we’ve developed to aid your mortgage journey.
These tools consist of our mortgage affordability calculator, agreement in principle service forms for new purchases, remortgages, DIY mortgages, and personal & family insurances, in addition to our credit check tool (free for 30 days, then £14.99 a month - cancel online any time). Not to mention, our blog is regularly updated with guides which are certain to dispel any ambiguities and doubts you may have surrounding any types or notable facets of mortgages.
With the exception of the credit check function after the trial has expired, all of these tools are free, easy to use, have no effect on your credit score, and give you valuable perspective. Particularly, perspective on factors like the size of the mortgage deposit you’d need to purchase a property you’ve chosen and how much you could borrow up right now.
Get in Touch with an Expert Mortgage Broker Today
If you’re interested in a mortgage solution which is tailored to your personal circumstances and financial situation, then be sure to give us a call at 01915809890.
This will signal your first - free of charge - consultation where you’ll be assigned to one of our expert mortgage advisors who will begin to ensure your housing happiness. We’re available 7 days a week up until 8 P.M. to accommodate for how busy we know you can be.