Independent Mortgage Advice

Click Here and send your details to request independent personal mortgage advice from an appointed representative of Legal and General, who are authorised and regulated by the Financial Services Authority.

You should be contacted within 24 hours - ( provide a daytime contact telephone number for priority )

Independent Mortgage Advice

Our mortgage advice service helps you find the most appropriate UK mortgage deal by introducing you to a qualified mortgage broker. Whether you are:

Looking to buy your first home
Looking to move house
Want a better deal
Self Employed or have irregular income
Looking to invest in buy to let properties
Have a poor credit history
Our mortgage advise service provides you with expert advice from qualified F.S.A. independent mortgage brokers.

 The latest, daily updated, software is used to research thousands of mortgage deals from the whole of the mortgage market before an F.S.A. authorised and regulated independent mortgage adviser will  make a recommendation to you on the most appropriate mortgage for your circumstances. They will then guide you through the paperwork, answering any questions you have.

For an initial appraisal please complete our independent mortgage advice enquiry form.

Extract taken from the Financial Services Authority web site:

Mortgages - Borrowing
How much should I borrow?

You can typically borrow up to three and-a-half times the main earner’s income before tax, plus one times any second earner’s income, or alternatively two-and-a-half times their joint incomes (if this is larger).

Your lender may only count half of income such as overtime, commission or bonuses unless this is guaranteed. Lenders will reduce the amount they will lend if you have substantial outgoings such as other loan payments.

If you are getting advice, the adviser has a duty to take reasonable steps to ensure that you can afford a mortgage that he recommends. Whether or not you get advice, lenders are required to lend responsibly. This means that they should, based on things like your income, expenditure and other circumstances, consider whether you can keep up the mortgage repayments now and in the future; for example after an initial discount period comes to an end.
 

Click Here for a quick quote or initial appraisal.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage

E-mail: Mortgage Arrangers