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 Mortgage / Remortgage |
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How we can help
- Initial discussion with adviser free of obligation.
- Whole of market search from thousands of mortgage products.
- Impartial advice and recommendation service.
- Access to exclusive rates not available on the high street.
- Full handling of the application process from start to finish.
- We offer an annual review of your mortgage arrangements.
- We can help you to arrange a HIP-Home Information Pack
- We can arrange very competitive fixed price conveyancing
- We save you time and take much of the strain out of the process
Why the Credit Crunch makes expert mortgage advice essential
The Credit Crunch has resulted in a liquidity crisis in the banking sector which affects all of us. More than ever it pays to seek specialist impartial mortgage advice. If you are seeking a mortgage you may experience the effects of the Credit Crunch in the following ways:
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Lenders have withdrawn thousands of mortgage products which means that it is much more difficult to obtain a mortgage.
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Lenders are withdrawing mortgage products at very short notice which means that applicants must act very quickly to secure the best deals.
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Lenders have tightened-up their credit policies which means that it is much harder to get certain types of mortgages such as 95% mortgages, first time buyer mortgages, new build mortgages, adverse credit mortgages.
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Lenders simply do not have sufficient funding to meet demand for new mortgages which means that in effect mortgage supply is being rationed.
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The number of exclusive mortgage deals has significantly reduced which means that it is much harder to find a competitively priced exclusive mortgage.
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Applicants with even a minor blip on their credit files will now find it much more difficult to secure a high street mortgage deal.
Whatever your requirements; we can help if:
- You are paying too much for your current mortgage
- You are coming to the end of your current mortgage deal
- You looking for a great new mortgage deal
- You looking for a buy to let or an investment mortgage
- You are finding it difficult to obtain a mortgage
- You have a history of adverse credit or poor credit
- You are self employed including recently self employed
- You are looking to remortgage away from a sub prime lender
- You are looking to buy a new build home
- You are moving house
- You are a first time buyer
- You want to buy a second property or a holiday home
- You want to buy your council house or housing association property
- You want to buy your home under the right to buy scheme
- You want a shared ownership mortgage
- You want to buy under the homebuy scheme
- You are interested in social homebuy
- You are interested in newbuild homebuy
- You are interested in open market homebuy
- You want a shared equity mortgage
- You want to buy under the key worker living scheme
- You are interested in the first time buyers initiative
- Part buy, part rent
If these scenarios do not match your current situation, please don’t worry because we may still be able to help you.
The overall cost for comparison is 7.9% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.
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Our Service
Contact us for a truly personal, professional mortgage advice and recommendation service.
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We can offer face to face mortgage advice in the following areas:
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Shrewsbury, Telford and Shropshire
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Stoke on Trent, Wolverhampton, Staffordshire
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Kidderminster, Worcester, Worcestershire
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Dudley, Walsall, West Midlands
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Crewe, Northwich, Cheshire
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Chester, Ellesmere Port, Deeside
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Birmingham, Sutton Coldfield, West Midlands
We also offer a telephone-based mortgage advice and recommendation service throughout the UK regions including:
- North West England and North East England
- Greater Manchester and Merseyside
- Yorkshire and Humberside
- South East and South West England
- South Coast and Central region
- London and Home Counties
- East Anglia
- Wales
- Northern Ireland
- Scotland
We are a professional firm of whole of market mortgage brokers and we take pride in the fact that our directors personally advise all of our clients and they also manage the progress of all applications. We really do put you first at First Rate Loans.
We offer our clients’ comprehensive whole of market mortgage advice which means you will get the most suitable mortgage to match your needs. To give you the best mortgage advice we conduct a full fact find and present you with our recommendations for the most suitable options. This will include advising you on the most suitable and affordable means of protecting your loved ones and your most valuable assets, namely your family, health,
income, home, mortgage and personal possessions.
Following completion of the fact find we will conduct whole of market research in order to identify the products which most closely match your needs.
Should you accept our recommendations we will take responsibility for dealing with the application process on your behalf in order to efficiently arrange your mortgage. This includes completing all application forms and collating supporting documentation. We will submit your applications to the selected lenders/intermediaries/product providers. We will liaise with third parties including lenders, insurers and surveyors and we will continue to progress chase your application at all key stages, through to completion.
We will keep you informed and updated on your applications progress at all key stages.
We believe that our service to you should extend beyond the completion of your mortgage or loan. Accordingly we will offer you an annual review of your mortgage and associated financial arrangements in order to ensure that your financial solutions continue to be suitable for your needs and circumstances.
What next?
For a free no obligation initial discussion please call Mark on 01902 897783 or Phil on 01743 368516 or, if you prefer, complete and submit our brief online enquiry form by clicking on this page on the ‘Enquire Now’ button.
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