Expert London mortgage brokers
Say hello to saving time, money and hassle with our expert London mortgage advisors. Whether you’re a 1st time buyer, remortgaging or a buy to let, we’ll find you the right mortgage,
3 easy steps to mortgage
Our London mortgage advisors are here to help you get your home
Home purchase made easy with London mortgage brokers. We’ll compare over 15,000 mortgage rates to save you time, hassle and money. We even get deals your own bank may not offer you. With mortgage advice for first time buyers, home movers, buy to lets and remortgages in the London area, we have you covered.
Do I need mortgage advice
Should I use a mortgage advisor to buy a house in London.
There are lots of advantages of using mortgage brokers, possibly the most beneficial to you is that they can remove the stress of finding the right mortgage. This can save you time and money because they know the market, its what they do every day. They will compare mortgage deals and guide you through the application process even helping with the paperwork and chasing lenders for updates. A GHL Direct mortgage advisor can search over 15000 mortgage deals from 50 of the UKs top mortgage lenders. We can even get exclusive deals your own bank may not offer you and offer appointments over the phone, via video call or face to face, wherever & whenever you feel comfortable.
Is it worth using a mortgage advisor
Buying a home is going to be the biggest financial decision you ever have to make. A professional mortgage broker will find you the best mortgage rates while making sure your application is lender ready. It could save you a lot of time, money and hassle long term.
London Mortgage Brokers
Whether you’re a 1st time buyer, remortgaging to save money, moving home or a buying a home to let in London, we’ll find you the right mortgage for your situation.
What questions should I ask a mortgage advisor
Some questions to ask our London mortgage brokers, make sure they can answer them. We cover booking mortgage appointments to broker fees and everything in between.
An initial meeting with a GHL Direct mortgage advisor to discuss your first time buyer mortgage will usually be under 30 minutes. That said, it can last up to one hour depending on the complexity of your circumstances. At this point we’ll try to keep it brief.
Your initial meeting with a GHL Direct adviser to discuss your requirements is at our advisers own expense and always without obligation. Some mortgage advisors charge nothing, others charge according to the complexity of each individual case. Some mortgage advisers will charge an up-front flat fee while others will take commission from the bank or lender providing the loan. Your mortgage advisor will outline all this to you at the start of the meeting.
If you are a first-time buyer, the first question you probably asked was, ‘how much can I borrow’ or ‘can I afford a mortgage’. You probably also want to think about how much you can safely borrow. It’s important to think about what would happen if your circumstances were to change and your were unable to meet your mortgage repayments. It does happen so factor in all your other monthly payments before deciding how much you’d like your mortgage loan to be.
Before looking at properties or trying to arrange your mortgage, you need to save for a deposit. Generally, you’ll need to try to save at least 5% of the cost of the home you’d like to buy. For example, if you want to buy a home costing £150,000, you’ll need to save at least £7,500 (5%) for the deposit. Saving anything above 5% will give you access to a wider range of cheaper mortgages available on the market and a lower interest rate. To save money long term try and put down as much as you possibly can afford.
To put it bluntly, the best mortgage for you is one that you can afford. There are many types of mortgages for first time buyers, different mortgage repayment options and 1000s of mortgage rates on the market. Your mortgage advisor will be able to source your mortgage based on income, deposit and loan to value to find the the right mortgage offer for you.
If your a first home buyer our mortgage advice can be a great help. Taking professional mortgage advice can make the difference between a successful mortgage application and being rejected. It may also lead to a much better value deal as we have access to over 50 major mortgage lenders in the UK. This could potentially saving you thousands of pounds over the mortgage term.
Our mortgage advisors are not restricted to any particular providers and will act solely in your best interests. We have access to over 15,000 mortgages from 53 of the UKs top mortgage lenders, we can even offer you deals your own bank may not. You should be confident the deal they recommend will be the best available mortgage for your circumstances. You also get to speak to us anytime of the day whereas your bank may only operate during business hours.
We really hope this isn’t the case but if you really don’t like our company or our advice its absolutely no problem at all. Your under no obligation to take our advice or in fact any mortgage advisors advice and this call is completely free to you
Once we have identified the options available, we’ll meet or chat with you again to discuss our recommendations over the phone. We’ll also write to you so you can review what we have suggested, and why. Assuming you’re happy with our recommendations, we’ll work with you to complete the application forms and liaise with your solicitor, valuers and surveyors on your behalf. We can also talk you through the vital areas involved in financially protecting your new property and we’ll stay in touch throughout the process – and into the future.
Buying a property isn’t just about the right mortgage; it also involves solicitors, surveys and insurance. Your financial advisor can help you will all of this and will talk you through the options at a later stage. One advisor, multiple solutions. We aim to keep it all stress free for you.
Your mortgage advisor
See how you can benefit with our mortgage advisors
Are mortgage advisors worth it.
Getting a mortgage can feel daunting so our 5* rated expert mortgage advisors are here to guide and advise. We can draw on 100s of years of advisor experience to give you all the information you need to get your mortgage
Keeping mortgages simple and stress free
To keep things stress free we’ll help you with the mortgage application paperwork & stay in touch with the lender for any updates. And we are your single point of contact all the way through so if anything goes wrong we’ll be right there for you.
We'll get the best mortgage rates for you.
We are able to source thousands of mortgages with no ties to any one lender, bank or building society. So you can be comfortable knowing you really are getting the best advice which is unique to you & your family’s needs.
Use the mortgage advisors expertise.
Knowing which mortgage type is best and which mortgage rates are available to you can be confusing at the best of times. Having a mortgage broker on hand to help you understand the difference can be time and money saving.
Your home or property may be repossessed if you do not keep up repayments on your mortgage.