With so many options on the market, stepping into the world of mortgages can be overwhelming, especially if you’re a first time buyer.
But, with the help of a qualified, experienced mortgage advisor, it doesn’t have to be. In fact, using the services of a professional can save you money, time and hassle and give you added peace of mind.
So, in this blog we take a look at the top six reasons that it’s better to use a reputable mortgage broker than go it alone…
1. Save time
Allowing someone else to do the legwork for you gives you extra time to spend on the fun parts of moving home, such as searching for the right property and choosing the perfect fixtures and fittings. After all, who doesn’t love a bit of interior shopping?!
2. Save money
At KB Mortgage Services, we’re a mortgage advisor with access to the whole of the market. In simple terms, that means we’re on your side! We’re here to present you with your best options and are not limited to one lender’s range of products. So, we’ll give you our unbiased advice and help you to choose a deal that not only suits your financial situation, but that also potentially saves you money.
3. Get a personalised service
Of course, saving money is an important part of choosing a mortgage, but it isn’t always as simple as opting for the cheapest rate. We also take your personal circumstances into account, meaning that we can tailor our recommendations to suit your specific needs. For example, you may be self-employed or a contractor. Perhaps you have a poor credit history or have only recently started a new job. These are all reasons to use an experience mortgage advisor — we know which lenders are comfortable with more unusual circumstances and can cut out the ones that aren’t.
4. We know the industry
In the past five years, the criteria to secure a mortgage has tightened, with borrowers now having to prove they can afford their repayments. This can make the task of securing a mortgage more drawn out, with extra checks having to be made. An experienced broker who understands the market will ensure that you have all of your paperwork in place, limiting any unexpected delays. At KB Mortgage Services, we also keep in close contact with the lender, chasing deadlines and driving the process forward.
5. We don’t just do mortgages
When you purchase a home with a mortgage, you are obliged to buy building insurance too. And as we work with some of the UK’s leading insurance providers, we can find you the most competitive rates. But that’s not all. We offer advice on a range of other protection policies, such as mortgage, income, redundancy, life and critical illness, making us a one-stop shop for all your insurance needs, saving you the need to search around.
6. We keep in touch
We will never pester you or send you endless marketing materials. But, if you give us permission, we would like to keep in touch. We’ll notify you when your fixed period is up, so that we can review your options and ensure that you’re always getting the best deal.
So, if you’re ready to make the move and secure a mortgage, then get in touch. We work across West Yorkshire, including Huddersfield, Brighouse, Halifax, Mirfield and Leeds.
Email [email protected] or call 07834 818805 for a no-obligation consultation.
Your home may be repossessed if you do not keep up repayments on your mortgage, As with all insurance policies, conditions and exclusions will apply.