Published 1st April 2025
Getting a mortgage is one of the biggest financial decisions you’ll make, so it’s important to get it right. A mortgage advisor can search the market of mortgage lenders and recommend the best deal for your individual circumstances. They’ll look at your income and expenditure and help you establish a budget so that you can afford the mortgage now and in the future.
Over recent months the mortgage market has changed a lot with bank rates rising from historic lows and increasing inflation, both of which have affected lenders assessment of new applications. So it’s more important than ever to see a mortgage adviser at the start of your mortgage journey whether it’s for a re-mortgage, your first mortgage or moving home. It will save you time and effort in the long run and ensure you get the right mortgage for your situation as your advisor will know which lenders will accept your application from the outset.
Borrowing levels vary from lender to lender, particularly if you have variable income, run a Limited Company, have bonus or commission income or are a contractor. The level of deposit you have available to buy your home will also largely determine the interest rate you’re offered by the mortgage provider. It can be tricky to save for a deposit with increasing bills.
As authorised Mortgage and Protection Advisers, Nigel, Rachel and Selina worked together for a number of years before opening Mortgage Smart Brackley in 2020. With many years of experience behind them they’re able to offer a personal, professional service to guide you through your mortgage journey. They have established relationships with the professionals that you’re going to need along the way such as surveyors, conveyancers, accountants and Will writers.
No obligation appointments are available in person or via phone or zoom.
