Why take independent, whole-of-market advice?

We believe that mortgage borrowers need independent advice - now more than ever before - in this tough economic environment, because of the more rigorous lending criteria imposed by the banks since the credit crunch.

Mortgage rates available for different loan-to-value ratios vary significantly between lenders; these rates determine what you can borrow and therefore the property you can afford to buy. Income criteria also differ markedly between lenders, who now have very different appetites (which vary from month to month) for doing business.

Going to a high-street lender for a mortgage will not result in you getting a bespoke whole-of-market solution or the level of personalised service you require.

Valuation issues and delays are being caused by market uncertainty and bridging and ‘letting to buy’ are options to be seriously considered. But such issues and options can be managed only by an experienced specialist mortgage broker, who is also well-placed to keep up with the increasing number of previously unheard of new entrants, including private banks, who are playing an important role at the top end of the market.