A whole of market mortgage broker and protection service
Based in Swansea, but have happy clients all over the UK
Our remortgage service
We're proactive
We will always use our total cost price comparison system to get you the cheapest deal, especially for first time buyers. Our mortgage broker will take into account the interest rate, payments, and any fees that may be charged to you, ensuring we work out the cheapest deal overall. Additionally, we can access exclusive deals that aren't available to all brokers. By utilizing a whole of market specialist, we can compare lender policy as well as their costs. This allows us to offer our remortgage service and provide special deals that aren't accessible to other brokers.
What are your options?
Our job, first and foremost, is to secure you the perfect mortgage, especially for first time buyers. However, we are more than just "numbers people". As your mortgage broker, we will support you with:
The estate agent
Working with (and sometimes negotiating with) them.
Supporting you with your surveyor/valuation.
Working with your solicitor.
Beyond the completion of your purchase and during the lifetime of your mortgage, if your circumstances change or if anything crops up, we also offer a remortgage service to help you navigate those changes.
Product transfer and Rate Switch
With your decision in principle certificate, first time buyers like you will be able to view property, make offers, and negotiate the purchase price!
Once your offer is accepted on a property, your mortgage broker will re-evaluate the mortgage and draw an up-to-date comparison of deals currently available, before finalizing your mortgage application.
After the application is submitted, it's essential for first time buyers to start engaging with a reputable solicitor to complete the process on your new home. If you're considering options in the future, remember that a remortgage service may also be beneficial.
Some cases don't 'fit' with high street lenders
This is where our expertise and experience comes in to play
There are many reasons why a particular case may not fit with a mainstream lender, especially for first-time buyers. Factors such as complicated income, adverse credit history, and the type of property can make it challenging. In such situations, a mortgage broker can provide valuable assistance, and utilizing a remortgage service can help navigate these complexities.
Complex income
We can assist first time buyers and others who have foreign income, work overseas, or need to utilize shift allowance or overtime to secure a mortgage. If you work two jobs, are recently self-employed, or are a company director, our mortgage broker services are tailored for you. Additionally, if you need to use child maintenance or DWP income, our remortgage service can help you navigate these options.
Adverse credit
We can assist first time buyers with securing a new mortgage, even if you have faced challenges in the past, such as a County Court Judgment (CCJ), an Individual Voluntary Arrangement (IVA), a Debt Management Plan (DMP), late or default payments, or if you have previously been bankrupt or had a property repossessed. Our mortgage broker services are designed to help you navigate these issues, and we also offer a remortgage service if you're looking to improve your financial situation.
Special property or purchase scheme
For first time buyers, exploring new build properties can be an excellent option, especially when considering shared ownership and shared equity schemes. Additionally, if you're looking at flat roofs or properties built with non-standard construction methods or materials, a knowledgeable mortgage broker can guide you through the best financing options. They can also assist with a remortgage service to help you better manage your investment.