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FAQ2018-11-28T13:03:40+00:00
Do I need an independent mortgage adviser?2018-10-29T11:32:23+00:00

In todays world where you can “Search” for everything we all turn to the internet for answers. However, as you may of discovered, the mortgage market is highly complex; the process of getting e a mortgage, getting the right mortgage, buying a house and selling a property, finding solicitors, sourcing removal companies, knowing how much everything can cost, organising your finances can be stressful and difficult to navigate and it is also extremely time consuming…

Taking advice from a qualified expert offers you extra protection because if the mortgage turns out to be unsuitable, you can complain to the Financial Ombudsman Service (FOS).

If you choose to go down the ‘execution-only’ route (where you make decisions on your own without advice), there will be fewer circumstances where you can complain to FOS.

House of mortgages are qualified expert mortgage advisers.

Our job at House of Mortgages is to save you time and money and make the whole process a little less stressful.

What do mortgage advisers do?2018-10-03T09:13:07+00:00

We  use our in-depth, expert  knowledge of the ever changing mortgage market place to find the right deal that suites your circumstances.

We will then advise you on the types of mortgage available to you providing you with detail about the pro’s and con’s of each mortgage and recommending what we feel is the best solution for your circumstance.

Also, we don’t leave you to your own devices once everything is gone through….for example if we have arranged a 3 year fixed rate deal for you…we will contact you prior to the 3 year anniversary to discuss your options…so you can feel safe in the knowledge that we will not let you slide into uncompetitive  post fixed rate deal that wastes your hard earned money. And if your circumstances change we will always be available to re-work your mortgage to suite.

It is a Fact…That, often people will apply for a mortgage that may not be the right fit for them, it may cost them much more than it should and there maybe a better deal…and they find that the product they have chosen just doesn’t fit…

 

House of mortgages are really here to stop that from happening…

What are the advantages of using a mortgage adviser?2018-10-29T11:31:38+00:00

Taking advice from a qualified expert offers you extra protection because if the mortgage turns out to be unsuitable, you can complain to the Financial Ombudsman Service (FOS).

If you choose to go down the ‘execution-only’ route (where you make decisions on your own without advice), there will be fewer circumstances where you can complain to FOS.

House of mortgages are qualified expert mortgage advisers.

  • We are completely unbiased and independent
  • We are authorised and regulated by the FCA
  • We are not tied to any particular mortgage provider
  • We have an expert knowledge of the market
  • We have knowledge of special deals both the benefits and the drawbacks
  • We can speed up the process and facilitate your sale more quickly
  • We will negotiate the sale and purchase on your behalf
    We have a wealth of knowledge that can save you time and money
  • We know which lenders will suite your circumstances
  • We guide you through the whole process
  • We will act as an advocate to the mortgage lender
  • We help you to complete all the paperwork correctly
  • We try and make the whole process less stressful
  • We help you to budget for your house purchase
  • We help you to budget for paying your mortgage
  • We provide you support in finding insurance and protection
  • We help to source good quality solicitors
Request A Call Back
Arrange an Appointment
Get Expert Advice

What are customers are saying about our services…

Fantastic! I would highly recommend using House of Mortgages, Judith goes above and beyond to get the job done! Super efficient and lovely 🙂 Also very pleased with the life insurance. I will continue to work with Judith for every financial matter going forward. Thank you for all of your help!

Sam Macpherson

From the start to completion the advise we got was outstanding. A warm greeting as soon as you walk in the office. Would highly recommend this company. We won’t go anywhere else.

valiant4500

Judith and the team make remortgaging and moving house an absolute pleasure. They went above and beyond to save me money and get the best deal for my living circumstances. I had already saved more than the service cost by day 1! Finding a service like this, that turns a confusing and stressful process into something easy to understand is invaluable! I would not move house or remortgage without Judith!

Alex Hiley

Extremely professional throughout the mortgage process and handled everything for us with minimal input from ourselves. Advice was great and would recommend to anyone looking at buying a house.

James Griffiths
These are Google verified reviews about our mortgage advice services  from just a few of our happy clients.
Do you charge for your mortgage advice services?2018-10-03T09:12:13+00:00

Our initial meeting is free of charge. However, we do charge a nominal fee normally £399,  but this is always agreed with you prior to proceeding.

Furthermore, our clients usual find that we save them so much money that even after paying our fee they are normally much better off.

For example:

We recently helped to negotiate on a house and saved a client many thousands of pounds!
We helped another client to save by changing their mortgage and protection arrangements.
We found another client a deal that meant that their monthly payments reduced considerably.

How much is your time worth?
Time is so valuable to our clients and by using our services you will not only save money but time as well.

My circumstances are unusual can you help?2018-10-03T09:11:54+00:00

We deal with these type of “unusual” circumstances every day and in most cases we come up with a solution that is just right for our clients.

Everyone’s circumstances are different, it is true to say no two mortgage proposal are exactly the same.
We are often called upon when circumstances are unusual…

For example…

  • A minimal deposit
  • NOT been working for long
  • SELF-employed,
  • You want to share ownership,
  • You have irregular earnings,
  • You want to buy a second property ,
  • You want to re-mortgage your property,
  • You current mortgage is costing to much,
  • You are a first time buyer,
  • You are divorcing,
  • You are looking to buy an unusual property,
  • You are a developer,
  • You are to busy…But need to source financing for property purchase.
  • You want to buy commercial property

The list above is not exhaustive and we have a wealth of experience of dealing with almost all types of circumstances. What we will say is that, if anyone can help you …we can!

My current mortgage is costing to much can you help?2018-10-03T09:26:08+00:00

It is important to find a mortgage that is right for your circumstances. It is also important to regularly review your options as in many cases there is a mortgage offer that is more suitable for you and could save you money.  We can help you to find your options and hopefully this will save you money in the process.

Can I get a mortgage if I am self-employed?2018-10-03T09:26:49+00:00

Everyone’s circumstances are different and if you are self-employed sometimes it can feel daunting when it comes to seeking out a mortgage. However, we have many lenders that specialise in providing mortgages to people who are self employed. We will help you to get all the paperwork prepared and give you a realistic assessment of what you are looking to do. So while it can be more complex to get a mortgage if you are self-employed it is not impossible and we can make the process really straightforward for you.

Can you help me to buy a house?2018-10-03T10:02:30+00:00

This is one area that many of our competitors don’t want to get involved in.
However, we see as a crucial part of our service!
We will negotiate on your behalf,  both in selling your property and buying your new property. We have lots of knowledge of the industry and can often get the property you want at a better price. We will also help you to decide on the price you are selling your house for, what the price you should buy at, and we will also help you source solicitors and removal companies etc.

I have never moved house before, Can you help me?2018-10-03T09:47:42+00:00

We will help you every step of the way. Initially we will help you to prepare for the move. Advising you on selling your home, sourcing another property and as things progress, planning for your move. We help you to find the right solicitor (we have some great solicitors that are not too expensive and are very quick and responsive) , the right removal company, estate agent, home insurance etc.

We will help you to understand the costs involved in moving house and the timescales that are involved.

W will help you to budget for your move and how much your new property will actually cost you when you move in.

We will chase the solicitors on your behalf and contact estate agents etc.

The only thing we dont really do is carry your belongings over the threshold…but we know some really good removal companies that do this for you!

So we really do help you every step of the way.
So, if your thinking about moving or buying your first property, give us a call today and we can advise you of your options.

What is shared ownership and can you help?2018-10-03T09:43:44+00:00

The schemes are aimed at people who don’t earn enough to buy a home outright.

The schemes are a cross between buying and renting; aimed mainly at first-time buyers. You own a share and then rent the part you don’t own at a reduced rate. Read on to find out how they work and how to apply.

You buy between a quarter and three-quarters of a property.  You also  have the option to buy a bigger share in the property at a later date.

We can help you with this area and  it can be a good way of getting on the property ladder. IF you want more information please contact us and we can have a chat!

Request A Call Back
Arrange an Appointment
Get Expert Advice

What are customers are saying about our services…

Fantastic! I would highly recommend using House of Mortgages, Judith goes above and beyond to get the job done! Super efficient and lovely 🙂 Also very pleased with the life insurance. I will continue to work with Judith for every financial matter going forward. Thank you for all of your help!

Sam Macpherson

From the start to completion the advise we got was outstanding. A warm greeting as soon as you walk in the office. Would highly recommend this company. We won’t go anywhere else.

valiant4500

Judith and the team make remortgaging and moving house an absolute pleasure. They went above and beyond to save me money and get the best deal for my living circumstances. I had already saved more than the service cost by day 1! Finding a service like this, that turns a confusing and stressful process into something easy to understand is invaluable! I would not move house or remortgage without Judith!

Alex Hiley

Extremely professional throughout the mortgage process and handled everything for us with minimal input from ourselves. Advice was great and would recommend to anyone looking at buying a house.

James Griffiths
These are Google verified reviews about our mortgage advice services  from just a few of our happy clients.