For help and advise on the UK mortgage market, whats available to you and what the monthly costs will be, click the above link and go to the main site to get a mortgage quote and have a FSA mortgage broker contact you.
You can specify buy to let mortgage, residential mortgage, first time buyer mortgage, repayment or interest only, and can discuss options regarding fixed rates, discounted and flexible mortgage terms when the mortgage broker makes contact.
A few years ago it was easy to get a mortgage quote and apply with some degree of certainty that providing your credit history was clean you would get the mortgage you needed. Since the banking crisis, brought about by negligence on the part of the FSA and greed by the banks, it is now much more difficult. Large deposits are needed and it seems that the banks are looking for reasons not to lend rather than the other way around.
However, help is at hand. Although some of the UK mortgage brokers have now exited the market due to their inability to obtain finance from the reluctant banks and other lenders, there still remains a hard core of dedicated mortgage brokers and mortgage arrangers that refuse to go gently and are surviving by downsizing and focusing on the basics of matching borrowers needs to lenders specific offers.
This is not a job for the light hearted due to the amount of work and up do date knowledge required to sift, sort and match profiles. So when the going gets tough a borrower would be well advised to contact a professional mortgage broker and seek their help. Often this is provided free of charge as the lender will pay the broker a fee for doing the document gathering stage of the application for them and for introducing the business on their specific mortgage products. Some mortgage advisers will charge a fee depending on the complexity of the case, but others can still operate on a slim profit margin as a result of their ability to rid themselves of offices and staff and take on the reduced work load previously carried out by an army of staff during the times of plenty.
Most mortgage quotes can now be obtained at the press of a mortgage brokers keyboard button, once the borrowers details have been input, and the results emailed electronically for the client to study. Often there is more than one lenders product that the borrower qualifies for, but in some circumstances there choice can come down to one obscure lender only, and without the brokers help the borrower would be unlikely to stumble across it. Some of the most amazing mortgage lending decisions have been made simply by knowing how to interpret the lenders requirements from the questions on the application form. A miss interpretation of a lenders question can result in a refusal when the borrower was a perfect candidate but didn’t understand the question or understood it but put the information down incorrectly. Many refusals from lenders have been reversed once a broker reapplies for the borrower and acts as the intermediary, using his knowledge of the lenders language to present the facts in the best light.
Hopefully when the financial crisis that is icing up the lending machine melts and the money starts to flow again, the mortgage advisers will reappear out of the wood work and start up again, and the frustrated borrowers can buy a home of their own. In the meantime its a case of a lot of borrowers chasing a little available money, and the banks restructuring their lending books so they have fewer toxic assets and more credit worthy clients.
Mortgage advice can be provided by qualified mortgage brokers to enquiries coming from the following towns, arranged in alphabetical order
Abingdon, Accrington, Acle, Acton, Adlington, Alcester, Aldeburgh, Aldershot, Alford, Alfreton, Alnwick, Alsager, Alston, Alton, Altrincham, Amble, Ambleside, Amersham, Amesbury, Ampthill, Andover, Appleby-in-Westmorland, Arlesey, Arundel, Ashbourne, Ashburton, Ashby-de-la-Zouch, Ashby Woulds, Ashford, Ashington, Ashton-under-Lyne, Askern, Aspatria, Atherstone, Attleborough, Axbridge, Axminster, Aylesbury, Aylsham
Bacup, Bakewell, Banbury, Barking, Barnard Castle, Barnes, Barnet, Barnoldswick, Barnsley, Barnstaple, Barrow-in-Furness, Barton-upon-Humber, Basingstoke, Batley, Battle, Bawtry, Beaconsfield, Beaminster, Bebington, Beccles, Beckenham, Bedale, Bedford, Bedworth, Belper, Bentham, Berkeley, Berkhamsted, Berwick-upon-Tweed, Beverley, Bewdley, Bexhill-on-Sea, Bexley, Bicester, Biddulph, Bideford, Biggleswade, Billericay, Billingham, Bilston, Bingham, Bingley, Birchwood, Birkenhead, Bishop Auckland, Bishop’s Castle, Bishop’s Stortford, Bishop’s Waltham, Blackburn, Blackpool, Blackrod, Blackwater and Hawley, Blandford Forum, Bletchley and Fenny Stratford, Blyth, Bodmin, Bognor Regis, Bollington, Bolsover, Bolton, Bootle, Boroughbridge, Boston, Bottesford, Bourne, Bournemouth, Bovey Tracey, Brackley, Bradford-on-Avon, Brading, Bradley Stoke, Bradninch, Braintree, Brampton, Brandon, Braunstone Town, Brentford, Brentwood, Bridgnorth, Bridgwater, Bridlington, Bridport, Brierfield, Brierley, Brigg, Brighouse, Brightlingsea, Brixham, Broadstairs and St Peter’s, Bromborough, Bromley, Bromsgrove, Bromyard and Winslow, Broseley, Broughton, Broughton-in-Furness, Bruton, Buckfastleigh, Buckingham, Bude-Stratton, Budleigh Salterton, Bulwell, Bungay, Buntingford, Burford, Burgess Hill, Burgh-le-Marsh, Burnham-on-Crouch, Burnham-on-Sea and Highbridge, Burnley, Burntwood, Burton Latimer, Burton upon Trent, Bury, Bury St Edmunds, Bushey, Buxton
Caistor, Callington, Calne, Camborne, Camelford, Cannock, Canvey Island, Carnforth, Carlton Colville, Carterton, Castle Cary, Castleford, Chagford, Chapel-en-le-Frith, Chard, Charlbury, Chatham, Chatteris, Cheadle, Chelmsford, Cheltenham, Chertsey, Chesham, Cheshunt, Chesterfield, Chester-le-Street, Chickerell, Chingford, Chippenham, Chipping Campden, Chipping Norton, Chipping Sodbury, Chorley, Chorleywood, Christchurch, Chudleigh, Chulmleigh, Church Stretton, Cinderford, Cirencester, Clare, Clay Cross, Cleator Moor, Cleethorpes, Cleobury Mortimer, Clevedon, Clitheroe, Clun, Cockermouth, Coggeshall, Colburn, Colchester, Coleford, Coleshill, Colne, Colyton, Congleton, Conisbrough, Corbridge, Corby, Corringham, Corsham, Cotgrave, Cowes, Cramlington, Cranbrook, Craven Arms, Crawley, Crediton, Crewe, Crewkerne, Cricklade, Cromer, Crosby, Crowborough, Croydon, Crowland, Crowle, Cullompton
Dagenham, Dalton Town with Newton, Darley Dale, Darlington, Dartford, Dartmouth, Darwen, Daventry, Dawlish, Deal, Dereham, Desborough, Devizes, Dewsbury, Didcot, Dinnington St John’s, Diss, Doncaster, Dorchester, Dorking, Dover, Dovercourt, Downham Market, Driffield, Droitwich Spa, Dronfield, Dudley, Dukinfield, Dulverton, Dunstable, Dunwich, Dursley,
Ealing, Earl Shilton, Earley, Easingwold, East Cowes, East Grinstead, East Ham, Eastbourne, Eastleigh, East Retford, Eastwood, Eccles, Eccleshall, Edenbridge, Edgware, Edmonton, Egremont, Elland, Ellesmere, Ellesmere Port, Elstree and Borehamwood, Emsworth, Enfield, Epping, Epworth, Erith, Eton, Evesham, Exmouth, Eye
Fairford, Fakenham, Falmouth, Fareham, Faringdon, Farnham, Faversham, Fazeley, Featherstone, Felixstowe, Ferndown, Ferryhill, Filey, Filton, Finchley, Fleet, Fleetwood, Flitwick, Folkestone, Fordbridge, Fordingbridge, Fordwich, Fowey, Framlingham, Frinton and Walton, Frodsham, Frome
Gainsborough, Garstang, Gateshead, Gillingham, Gillingham, Glastonbury, Glossop, Godalming, Godmanchester, Goole, Gorleston, Gosport, Grange-over-Sands, Grantham, Gravesend, Grays, Great Dunmow, Great Torrington, Great Yarmouth, Greater Willington, Grimsby, Guildford, Guisborough
Hadleigh, Hailsham, Halesowen, Halesworth, Halifax, Halstead, Haltwhistle, Redenhall with Harleston, Harlow, Harpenden, Harrogate, Harrow, Hartland, Hartlepool, Harwich, Harworth and Bircotes, Haslemere, Haslingden, Hastings, Hatfield, Hatherleigh, Havant, Haverhill, Haxby, Hayle, Haywards Heath, Heanor and Loscoe, Heathfield, Hebden Royd, Hedge End, Hednesford, Hedon, Helmsley, Helston, Hemel Hempstead, Hemsworth, Hendon, Henley-in-Arden, Henley-on-Thames, Hertford, Hessle, Hetton, Hexham, Heywood, Higham Ferrers, Highworth, High Wycombe, Hinckley, Hingham, Hitchin, Hoddesdon, Holbeach, Holsworthy, Holt, Honiton, Horley, Horncastle, Hornsea, Hornsey, Horsforth, Horwich, Houghton Regis, Howden, Huddersfield, Hungerford, Hunstanton, Huntingdon, Hyde, Hythe
Ilford, Ilfracombe, Ilkeston, Ilkley, Ilminster, Immingham, Ingleby Barwick, Ipswich, Irthlingborough, Ivybridge
Keighley, Kempston, Kendal, Kenilworth, Kesgrave, Keswick, Kettering, Keynsham, Kidderminster, Kidsgrove, Kimberley, Kingsbridge, King’s Lynn, Kingston-upon-Thames, Kington, Kirkby-in-Ashfield, Kirkby Lonsdale, Kirkby Stephen, Kirkbymoorside, Kirkham, Kirton-in-Lindsey, Knaresborough, Knutsford
Langport, Launceston, Leatherhead, Lechlade, Ledbury, Leek, Leigh, Leighton-Linslade, Leigh-on-Sea, Leiston, Leominster, Letchworth, Lewes, Leyburn, Leyton, Liskeard, Littlehampton, Loddon, Loftus, Long Sutton, Longridge, Longtown, Looe, Lostwithiel, Loughborough, Loughton, Louth, Lowestoft, Ludgershall, Ludlow, Luton, Lutterworth, Lydd, Lydney, Lyme Regis, Lynton and Lynmouth, Lytham St Annes
Mablethorpe and Sutton, Macclesfield, Madeley, Maghull, Maidenhead, Maidstone, Maldon, Malmesbury, Maltby, Malton, Malvern, Manningtree, Mansfield, Marazion, March, Margate, Market Bosworth, Market Deeping, Market Drayton, Market Harborough, Market Rasen, Market Weighton, Marlborough, Marlow, Maryport, Masham, Matlock, Medlar with Wesham, Melksham, Meltham, Melton Mowbray, Mere, Middleham, Middlesbrough, Middleton, Middlewich, Midhurst, Midsomer Norton, Mildenhall, Millom, Minchinhampton, Minehead, Minster, Mirfield, Mitcham, Mitcheldean, Morecambe, Moretonhampstead, Moreton-in-Marsh, Morley, Morpeth, Mossley, Much Wenlock
Nailsea, Nailsworth, Nantwich, Needham Market, Nelson, Neston, New Alresford, New Mills, New Milton, New Romney, Newark-on-Trent, Newbiggin-by-the-Sea, Newbury, Newcastle-under-Lyme, Newent, Newhaven, Newlyn, Newmarket, Newport, Newport, Newport Pagnell, Newquay, Newton Abbot, Newton-le-Willows, Normanton, North Hykeham, North Petherton, North Tawton, North Walsham, Northallerton, Northam, Northampton, Northfleet, Northleach with Eastington, Northwich, Norton-on-Derwent, Norton Radstock, Nuneaton
Oakengates, Oakham, Okehampton, Oldbury, Oldham, Ollerton and Boughton, Olney, Ongar, Orford, Ormskirk, Ossett, Oswestry, Otley, Ottery St Mary, Oundle
Paddock Wood, Padiham, Padstow, Paignton, Painswick, Partington, Patchway, Pateley Bridge, Peacehaven, Penistone, Penkridge, Penrith, Penryn, Penwortham , Penzance, Pershore, Peterlee, Petersfield, Petworth, Pickering, Pocklington, Polegate, Pontefract, Ponteland, Poole, Porthleven, Portishead and North Weston, Portland, Potton, Poynton-with-Worth, Preesall, Prescot, Princes Risborough, Prudhoe, Pudsey
Ramsey, Ramsgate, Raunds, Rawtenstall, Rayleigh, Reading, Redcar, Redruth, Reepham, Reigate, Richmond, Richmond, Ringwood, Ripley, Ripon, Rochdale, Rochester, Rochford, Romford, Romsey, Ross-on-Wye, Rothbury, Rotherham, Rothwell, Rothwell, Rowley Regis, Royal Leamington Spa, Royal Tunbridge Wells, Royal Wootton Bassett, Royston, Rugby, Rugeley, Rushden, Ryde, Rye
Saffron Walden, St Austell, St Blaise, St Columb Major, St Helens, St Ives, St Ives, St Just-in-Penwith, St Mawes, St Neots, Salcombe, Sale, Saltash, Sandbach, Sandhurst, Sandiacre, Sandown, Sandwich, Sandy, Sawbridgeworth, Saxmundham, Scarborough, Scunthorpe, Seaford, Seaham, Seaton, Sedbergh, Selby, Selsey, Settle, Sevenoaks, Shaftesbury, Shanklin, Shefford, Shepshed, Shepton Mallet, Sherborne, Sheringham, Shifnal, Shildon, Shipston-on-Stour, Shirebrook, Shoreham-by-Sea, Shrewsbury, Sidmouth, Silloth, Silsden, Skegness, Skelmersdale, Skelton-in-Cleveland, Skipton, Sleaford, Slough, Smethwick, Snaith and Cowick, Snodland, Soham, Solihull, Somerton, South Cave, South Elmsall, South Kirkby and Moorthorpe, South Molton, South Petherton, South Shields, South Woodham Ferrers, Southam, Southall, Southborough, Southend-on-Sea, Southgate, Southminster, Southport, Southsea, Southwell, Southwick, Southwold, Spalding, Spennymoor, Spilsby, Stafford, Staines-upon-Thames, Stainforth, Stalbridge, Stalham, Stalybridge, Stamford, Stanley, Stanhope, Stapleford, Staveley, Stevenage, Steyning, St Mary Cray, Stockport, Stocksbridge, Stockton-on-Tees, Stone, Stonehouse, Stony Stratford, Stotfold, Stourbridge, Stourport-on-Severn, Stowmarket, Stow-on-the-Wold, Stratford-upon-Avon, Stretford, Strood, Stroud, Sturminster Newton, Sudbury, Surbiton, Sutton Coldfield, Swaffham, Swanage, Swanley, Swanscombe and Greenhithe, Swindon, Syston
Tadcaster, Tadley, Tamworth, Taunton, Tavistock, Teignmouth, Telscombe, Tenbury Wells, Tenterden, Tetbury, Tewkesbury, Thame, Thatcham, Thaxted, Thetford, Thirsk, Thornaby-on-Tees, Thornbury, Thorne, Thorpe St Andrew, Thrapston, Tickhill, Tidworth, Tipton, Tisbury, Tiverton, Todmorden, Tonbridge, Topsham, Torpoint, Torquay, Totnes, Tottenham, Totton and Eling, Tow Law, Towcester, Tring, Trowbridge, Twickenham, Tynemouth
Uckfield, Ulverston, Uppingham, Upton-upon-Severn, Uttoxeter, Uxbridge
Wadebridge, Wadhurst, Wainfleet All Saints, Wallasey, Wallsend, Wallingford, Walsall, Waltham Abbey, Waltham Cross, Walthamstow, Walton-on-Thames, Wantage, Ware, Wareham, Warminster, Warrington, Warwick, Watchet, Watford, Wath-upon-Dearne, Watlington, Watton, Wellingborough, Wellington, Wellington, Wells-next-the-Sea, Wem, Wembley, Wendover, West Bedlington, West Bromwich, West Ham, West Malling, West Mersea, West Tilbury, Westbury, Westerham, Westhoughton, Weston-super-Mare, Wetherby, Weybridge, Weymouth, Whaley Bridge, Whitby, Whitchurch, Whitchurch, Whitehaven, Whitehill, Whitnash, Whittlesey, Whitworth, Wickham, Wickwar, Widnes, Wigan, Wigton, Willenhall, Willesden, Wilton, Wimbledon, Wimborne Minster, Wincanton, Winchcombe, Winchelsea, Windermere, Windsor, Winsford, Winslow, Winterton, Wirksworth, Wisbech, Witham, Withernsea, Witney, Wiveliscombe, Wivenhoe, Woburn, Woburn Sands, Woking, Wokingham, Wolsingham, Wolverton and Greenleys, Wood Green, Woodbridge, Woodley, Woodstock, Wooler, Workington, Worksop, Worthing, Wotton-under-Edge, Wragby, Wymondham
Yarm, Yarmouth, Yate, Yateley, Yeovilk