Mortgage Advice

Mortgage Advice

Independent mortgage advice on a "one to one" basis, giving you direct phone and email access to an authorised independent mortgage  adviser.

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Jargon Buster

Mortgage advice in:
Aberdeen, Scotland
Ashford, Kent
Basildon
Bedford
Belfast, Northern Ireland
Birmingham
Blackburn
Blackpool
Bolton
Bournemouth
Bradford
Brighton, East Sussex
Bristol
Bury
Cambridge
Cardiff, Wales
Chelmsford
Chester
Colchester
Coventry
Derby
Doncaster
Dover
Dudley
Dundee, Scotland
Edinburgh, Scotland
Glasgow, Scotland
Gloucester
Guildford
Harrogate
Huddersfield
Hull
Inverness, Scotland
Ipswich, Suffolk
Leeds
Leicester
Liverpool
Luton
Manchester
Middlesbrough
Milton Keynes
Motherwell, Scotland
Newcastle
Newport, Wales
Northampton
Norwich, Norfolk
Nottingham
Oldham
Oxford
Peterborough
Plymouth
Poole
Portsmouth
Preston
Reading
Rotherham
Sheffield, Yorkshire
Slough
Solihull, West Midlands
Southampton
Southend-on-Sea
St Helens
Stockport
Stoke-on-Trent
Sunderland
Sutton Coldfield
Swansea, Wales
Swindon
Walsall
Watford
West Bromwich
Wigan
Woking
Wolverhampton
York, England

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

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


Extract taken from the old Financial Conduct Authority web site:

Mortgages - Borrowing
How much should I borrow?

You can typically borrow up to three and-a-half times the main earnerís income before tax, plus one times any second earnerís 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