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| 10 years providing independent mortgage advice on the Internet. | ||||
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We aim to achieve a 30 minute response time during office hours |
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Mortgage Bestbuys |
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| Independent Mortgage Advice | ||||
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Mortgages-Online is an Independent Financial Adviser and an Independent
Mortgage Adviser. We can select mortgages from the whole of the market.
Read on to find out how we help our clients find the best deal.... It's worth saying right up front that we do not charge a fee if you arrange your mortgage through us, although we can work on a fee basis and repay the commission that we receive from the lender if you prefer. If you choose to contact us then we will gather some basic information to determine whether or not we can help you, If we can then we let you know what we can do and what is required of you - we will put this in writing when we issue our Terms of Business Letter and Initial Disclosure Documents (these are FSA requirements and outline how we are regulated, what we do with your information, what you can do if you have a complaint and how we get paid). Once we understand your circumstances and your requirements we can provide an unrivalled service to find you the best deal; we have a comprehensive database of UK mortgages which is updated every weekday; coupled with this is our extensive knowledge from recommending mortgages to thousands of people. We believe you will not find a better service anywhere else. When we compare mortgage schemes we take into account the total cost of the mortgage over initial benefit period (after this point you can move to another lender to maintain a competitive mortgage). Total cost takes into account the amount of interest you pay, how the balance of the mortgage reduces, any fees that you have to pay (survey, legal costs, arrangement fees, discharge fees). Our knowledge of the market will quickly exclude lenders that are not suitable for you. So, when we recommend a deal, providing you have been upfront with the information you provide and the property is suitable security, we are certain that you will get a mortgage offer. We will help you complete your mortgage application to reduce any errors that may slow it down or cause it to be declined. We have a team of administrators that will see the application through to completion. It doesn't stop when your application has completed. We will keep in touch and when the benefit period ends we will be on hand to help you with your next mortgage application so that you can continue to maintain a competitive mortgage throughout your mortgage term.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT