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Starting your journey onto the property ladder? Our team of expert mortgage advisors in Warrington are here to guide you through every step. Choosing your first mortgage is a significant decision. At Ascot Mortgages, we understand the importance of getting it right. As the leading independent mortgage advisor in Warrington, we offer personalised advice that’s tailored to your unique circumstances. Whether you’re looking for the best deals, need help with your mortgage application, or are seeking clarity on the financial landscape, our mortgage broker in Warrington is here to assist you.
When it’s time to move house, handling your mortgage correctly is crucial. Ascot Mortgages, your trusted independent mortgage broker in Warrington, makes the transition smooth and straightforward. Our advisors specialise in finding mortgage solutions that match your new needs without overwhelming you with jargon or unnecessary complexity. Let us help you find a mortgage that moves with you.
Use this calculator to determine how much you could potentially borrow for a mortgage, based on the typical salary multiples used by most UK lenders.
Your Results:
You could borrow up to
Most lenders would consider letting you borrow
This is based on 4.5 times your household income, the standard calculation used by the majority of mortgage providers. To borrow more than this, you will need to use a mortgage broker to access specialist lenders.
Some lenders would consider letting you borrow
This is based on 4.75 times your household income, a salary multiple you might struggle to qualify for without the help of a broker. This income multiple is not widely available to customers who are applying directly with a lender.
A minority of lenders would consider letting you borrow
This is based on 5.5 times your household income, a salary multiple you will struggle to get without a broker. 5.5 times salary mortgages are usually only available under very specific circumstances.
Get Started with an expert broker to find out exactly how much you could borrow.
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If one or more of the above apply to you, it’s important to get expert advice before making an application. The right broker can help maximise your chances of approval based on your circumstance.
Investing in property in Warrington? Ascot Mortgages delivers expert advice for buy-to-let investors. Whether you’re purchasing your first rental property or expanding your portfolio, our knowledgeable mortgage advisors can find the best rates and most suitable products for your ambitions. Trust us to help you maximise your investment potential.
Looking to remortgage? Whether it’s to save money, consolidate debts, or raise funds for renovations, Ascot Mortgages provides bespoke remortgage advice. Our experienced financial mortgage advisers in Warrington will review your current mortgage and compare it against newer options to ensure you’re on the best possible deal.
Self-employed and worried about securing a mortgage? Our specialist advisors at Ascot Mortgages understand the challenges you face. We use our extensive knowledge of the market to find competitive mortgages that consider all forms of income, helping you find a lender that recognises your true financial picture.
Later in life, mortgage needs can change significantly. Ascot Mortgages offers dedicated advice for over 50s, ensuring you find a mortgage solution that fits your retirement plans. Whether downsizing, buying anew, or unlocking equity in your home, we’re here to provide expert guidance.
8 Webster Ct, Westbrook Warrington, WA5 8WD
Monday
9:00 am – 5:30 pm
Tuesday
9:00 am – 5:30 pm
Wednesday
9:00 am – 5:30 pm
Thursday
9:00 am – 5:30 pm
Friday
9:00 am – 3:00 pm
Saturday
CLOSED
Sunday
CLOSED
Begin your mortgage process with ease by booking an online consultation with our top mortgage advisors. At a time that suits you, we’ll start discussing your needs and how we can assist you in securing your property in Warrington.
Take advantage of a no-obligation, free mortgage consultation. This initial meeting is the perfect opportunity to ask questions and understand more about the mortgage process. Our advisors are committed to making you feel at ease with no pressure to proceed.
Our mortgage broker in Warrington will search thousands of mortgage products to find the one that fits your specific needs. We consider all aspects of your financial situation to ensure the recommendation we make is the best possible match.
Once you’re happy with the product selected, we’ll help you with the entire application process, from submitting the initial paperwork to liaising with lenders on your behalf. Our team ensures everything is processed efficiently and effectively.
You’ll need to provide identification, proof of income, bank statements, and any other documents that your lender requires. Our team will advise you on the specific documents needed during your initial consultation.
The duration can vary based on several factors, including the type of mortgage, the efficiency of the lender, and your personal financial circumstances. Typically, it can take anywhere from a few weeks to a couple of months.
The minimum deposit generally starts at around 5% but can vary greatly depending on the type of mortgage and your financial situation. Our advisors will help you understand exactly how much you’ll need to secure your mortgage.
Yes, second mortgages are possible, and they can be arranged for a variety of purposes, including debt consolidation or home improvements. We’ll guide you through the options available to ensure you make the best decision.
From your initial consultation to the final approval, our team supports you at every step. We assess your financial situation, find a suitable mortgage, and handle the application and communication with the lender for you.
During this initial consultation, we’ll discuss your needs, answer any questions you have, and outline the possible paths forward. This session is designed to provide clarity and help you make informed decisions about your mortgage.
Choose Ascot Mortgages for a comprehensive, customer-first approach to finding your ideal mortgage. With access to thousands of products and a commitment to tailored advice, our independent mortgage brokers in Warrington are your best choice for finding a mortgage that suits your needs.
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Legal
Ascot Mortgages authorised and regulated by the Financial Conduct Authority and can be found on the FCA register (www.fca.org.uk) under reference 776062. The FCA do not regulate some forms of mortgages. The guidance and advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate it will be £599 per mortgage account. Ascot Mortgages Ltd give you the option to pay a non-refundable fee of £1299 payable with the application. If this option is taken, Ascot Mortgages Ltd will refund any procuration fee received by the lender.
Ascot Mortgages Limited is registered in England and Wales and have their registered office at 8 Webster Court, Westbrook, Warrington, WA5 8WD. The company’s registration number is 06764971.
We are a credit broker, not a lender. We work with the whole of the lending market. We may receive commissions that will vary depending on the lender, product, or other permissible factors. The nature any commissions model will be confirmed to you before you proceed.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT
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