MORTGAGE ADVISERS IN LONDON

Mortgage Advice You Can Trust

MORTGAGE brokers in london

Whatever your mortgage needs, our trusted mortgage advisors in London are here not just to find you a mortgage but to help you through every step of the home buying journey. Buying a new home is a big financial decision, but you don’t have to make it alone. Whether you’re a first-time homebuyer in London or ready to upgrade or downsize to a new home in London, our mortgage advice team is here to help.

For a free mortgage consultation in London please call on 03300552240 or contact us.

How our mortgage brokers can help

Our agents will explain all the options available to you based on your current financial situation, and we’ll devise a mortgage strategy that is custom-tailored to your needs and goals. From pre-qualification to refinancing and every step in between, we help you navigate the process with confidence, making it possible to save thousands over the life of your mortgage in London.

Before we begin searching for the best mortgage deals to suit your circumstances, our experienced London mortgage advice team will ensure you have a full understanding of all products available on the market.

Once we have established the best mortgage for your circumstances, whether you’re going for a fixed rate, variable rate or specialist product, we will then start looking at the best rates for you. Mortgage rates generally depend on the size of your deposit and the value of the property – you’ll likely need at least a 10% deposit, as 95% mortgages have been few and far between since the beginning of the pandemic (although they are slowly making a comeback).

Choosing us as your Mortgage Adviser in London

All our Mortgage brokers in London scour the whole market to find you the best mortgage deal. By hiring us, you swiftly cover a huge variety of lenders and get added clout with them to ease your applications as well as an extra layer of protection if there are any complications along the way.

Our Mortgage 1st brokers are also worth their weight in gold because they know key details about lenders’ criteria. So they would know if the lender you’re thinking of doesn’t lend on properties above shops, or in council blocks etc – so they’d be able to recommend a different lender that does.

All our London mortgage advisors will find the best mortgage for you and apply on your behalf.

Speak to one of our London mortgage advisors today.

FAQs

Whether this is your second, third, or even fourth mortgage, obtaining a new mortgage or porting your current one can be challenging. Our mission is to ease the stress and burden of securing a mortgage by managing the entire process for you.

This includes finding a fantastic product tailored to your personal and financial situation, performing accurate credit checks to determine your borrowing capacity, helping you submit your application, and ensuring you provide the correct documentation to prove your reliability to the lender.

When your dedicated mortgage advisor in London begins the search for your mortgage product, they will explore numerous lenders and thousands of deals to find the best option for you and your circumstances.

Our mortgage brokers in London will guide you through the whole mortgage process to help you find the right mortgage option for your needs. Once you get in touch with us, we will make sure to get the information we need to begin searching for your next mortgage deal. 

We will book a mortgage appointment with you to ask any questions we have regarding your personal and financial situation for our mortgage brokers to understand how much you could borrow and what deals you may be able to access. Once we have this information, we start trying to find the most suitable mortgage product for you. Find out more about how our mortgage brokers will help you today.

Seeking independent mortgage advice offers several benefits, such as:

  • Comprehensive Market Coverage: Independent mortgage advisors have access to a wide range of mortgage products across the entire market, including deals from lenders that only operate through brokers. 
  • Unbiased Recommendations: Independent advisors are not affiliated with any particular lender, so their advice is based solely on your needs and circumstances. This objectivity ensures that the recommendations you receive are in your best interest.
  • Bespoke Solutions: Independent mortgage advisors take the time to understand your financial situation, goals, and preferences. This personalised approach means they can find a mortgage that best fits your individual needs, whether you are a first-time buyer, looking to remortgage, or an investor.
  • Expertise and Knowledge: Mortgage advisors possess in-depth knowledge of the mortgage market, including the latest products, rates, and lender criteria. Their expertise can help you navigate complex financial decisions, ensuring you make well-informed choices.
  • Access to Exclusive Deals: Some mortgage products are only available through brokers. Independent advisors can provide access to these exclusive deals, potentially offering you a better option for your circumstances.
  • Time and Effort Savings: The mortgage application process can be time-consuming and complex. An independent advisor handles much of the legwork, from comparing products to managing paperwork, saving you time and reducing stress.

 

Overall, seeking independent mortgage advice can lead to a smoother application process, and peace of mind knowing you have expert support tailored to your specific needs.

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Remortgage Advice in London

If your fixed mortgage is coming to the end of its term and you would like to explore options of remortgaging in London then our experienced team of mortgage advisors are here to help.

There are also many other reasons why you may require advice on remortgaging your property which can include home renovations or debt consolidation, no matter the reason our mortgage advisors in London will provide you with the best knowledge of all products available on the market to remortgaging your property.

Here at Mortgage 1st we offer a free remortgage consultation which could lead to a better mortgage rate and in turn save you money in years to come. 

First Time Buyer Mortgage Advice in London

For a first time buyer, not having the right mortgage advisor in London can make the house buying process a very daunting task. Luckily our friendly team at Mortgage 1st will guide you through the entire process, taking care of everything and answering all your questions (we know you will have lots!) to ensure the journey is as smooth and stress-free as possible.

Your Mortgage Adviser in London will firstly find the best mortgage deal available to you, then your dedicated Mortgage Processor will liaise with the lender, estate agent and solicitor on your behalf and is available along with your Adviser throughout the application process until the day you get the keys to your first home!

Moving Home Mortgage Advice in London

Moving house is probably one of the most stressful things anyone will do in their lifetime but it can also be extremely exciting for all the family. Whether you’re looking for more space, a forever home in London, to downsize or even to relocate, the first thing you need to do is ensure you can get the mortgage you need – this is where our team of Mortgage Advisors in London can help.

Our mortgage advisers in London will assess your circumstances and provide you with an AIP/DIP (Agreement/Decision in Principle) within a matter of minutes. This is what you will need to provide the Estate Agent with before you can put in an offer on a property. It may be years since you bought your first home therefore our knowledgeable and friendly London mortgage advice team will guide you through the entire process from start to finish, taking care of everything to ensure the journey is as smooth as possible.

We offer a free moving home mortgage consultation, to speak to one of our London mortgage advisors please call 03300552240 or complete our form.

Buy To Let Mortgage Advice in London

The Buy-to-Let market in London is constantly growing due to the short term gains of an additional source of rental income and the long term benefits of property investment. If you are looking to purchase your first rental property in London and have no idea where to start, our team of specialist Mortgage Advisers in London can guide you through the entire process giving you the confidence to become a property landlord for the first time.

Or if you are an existing landlord in London looking to add to your property portfolio with a new purchase or you need to reassess your financial situation by Remortgaging in London multiple properties our expert mortgage advisers will work with you to help manage your portfolio and grow your business. Not all Buy-to-Let mortgages in London are regulated by the Financial Conduct Authority.

Help-to-buy Mortgage Advice in London

The government’s Help-to-Buy scheme is aimed at increasing the number of homeowners around the country by offering financial assistance with the purchasing of a property through the help to buy scheme in London. With this scheme, buyers can move into a home with a deposit of just 5%, making houses in London affordable even to people with a small deposit. The Help-to-Buy scheme is available to both first time and next time buyers and is available on old and new properties alike.

To apply for a help-to-buy mortgage in London, you need expert advice from fully trained professionals who can support you through the entire process until completion. Our friendly team at Mortgage 1st will be available to answer all your questions to ensure the journey is as smooth and stress-free as possible.

Contact one of our mortgage advisors in London today for a free quote.

Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgage 1st Ltd is an appointed representative of Stonebridge Mortgage Solutions Ltd which is authorised and regulated by the Financial Conduct Authority.