Why should you use a Mortgage Adviser?

For the vast majority of people, having enough cash to buy a home outright is unthinkable.

We live in a society where most home buyers work hard just to get the deposit together. The remaining funds are borrowed from a lender, such as a bank or a building society; otherwise known as a Mortgage.

There are hundreds of deals that are offered by these lenders, but how would you know which option is right for you?

A Mortgage Adviser can help you choose the right product for your needs.

The importance of Financial Advice

We specialise in providing advice on Mortgages, and we can tailor a solution to your individual requirements; but that’s not all we offer as part of our service.

Cost of Moving

We can discuss the costs involved in the process of:

  • Buying a property
  • Selling a property*
  • Investing or mortgaging your current home

Costs can quickly add up and include various elements including stamp duty, conveyancing costs and surveys. Having an adviser at hand to explain this to you can really help ensure you are entering the purchase knowing exactly how much money you would need, while also helping to alleviate the worry of not knowing if you have enough cash to fund the extras.

Different options available to you

There are various options available, some of which you may not be aware of. For example, did you know that some lenders offer a scheme where you could purchase a property without having a deposit, with a little help from your family?

As your Mortgage Broker, we can look at different options and agree on a solution best for you and your family.

Different lenders lend different amounts

Lenders have different criteria when it comes to working out the amount they are prepared to lend you.

Some lenders take into account your living costs and payslip deductions, some do not. It is our job to find you the right loan amount with the most suitable lender. This even includes any additional borrowing you may require, whether it’s to to carry out home improvements or to buy an investment property.

Protecting yourself and your loved ones

We will also discuss your protection needs and tailor a solution based on your requirements. This will ensure you and your family are protected should the worst happen.

We can put plans in place to:

  • Make sure you maintain an income if you were unable to work
  • Have some financial support should you be diagnosed with a critical illness
  • Ensure your mortgage and your family are covered if you were to pass away

As Mortgage Brokers, we do all the hard work for you. We are on your side and will do everything in our capacity to help you achieve your goal.

If you would like to discuss your Mortgage requirements with our Mortgage & Protection Adviser, Viktorija Linkaite, please contact us.

*The services promoted here are not part of the Openwork offering and are offered in our own right. Openwork Limited accept no responsibility for this aspect of our business. These services are not regulated by the Financial Conduct Authority.