Our mortgage advisers provide free impartial mortgage advice. Here at Ascot Mortgages, we have helped many people to arrange a mortgage and a testament to our service is that we build on our client relationships and continue to help our clients with their mortgage needs over and over again.
Our Mortgage advisers pride themselves on keeping up to date with all Lenders Criteria. Allowing us to source and arrange your mortgage will save time and increase the likelihood of success when applying to a lender.
Honest and reliable mortgage advice
Free initial financial advice
Simple, fast, hassle-free service
We will search across the market for you
Considering your needs
The first step in finding you the right mortgage is to understand your requirements. Our mortgage advisers will take information from you over the telephone, via email or appointment to determine which mortgage deal would be best. You may be looking for a high loan-to-value mortgage if you have a low deposit (90% Mortgages and 95% Mortgages) or you may be looking in to the possibility of the government’s Right to Buy Mortgage Scheme.
We provide advice about the different types of mortgage available and can provide details about mortgages from every UK lender. Sometimes it not always about what the cheapest interest rate is advertised, a lot of the time these deals have limited criteria or high arrangement fees. It is our mortgage advisers’ job to get the best mortgage deal over the term or your mortgage by finding out more about your circumstances. In most cases if you intend to rent out the property you will need a buy to let mortgage, buy to let mortgages usually require more deposit than residential mortgages – however Ascot Mortgages are specialist buy to let mortgage brokers with unrivalled access to a range of high LTV buy to let mortgages.
In the current mortgage market it has never been so difficult to get a mortgage, it is therefore vital that you do not apply to a lender unless you can be certain that you will qualify for their mortgages; applying unsuccessfully to a lender may harm your credit rating. It is reported that some lenders turned down up to 80% of mortgage applicants in 2009.
Ascot Mortgages understands lender’s lending criteria and can approach the lender to talk generically about specific situations to ‘sound out’ the lender before applying.
For the majority of mortgage applications we can apply electronically on your behalf, saving you time. We also know how to complete application forms accurately thus reducing the possibility of being declined.
Where we have applied for the mortgage on your behalf we act as your agent. We can obtain information from the lender, estate agent and solicitor to monitor the progress of your application and ensure that everything goes smoothly.
When your current mortgage comes to an end we can help you find a replacement mortgage so that you continually maintain a competitive mortgage. Your next application is simplified as we hold 90% of the information required to apply to another lender. The remaining 10% will simply cover information that may have changed over the years; salary changes, new loans or old loans repaid.