CAll US ON 01872250190

Clear Mortgage Advice And  Guidance.

From  Truro, Cornwall.

Expert mortgage advice from whole of market mortgage brokers.

Contact Us On 01872 250190.

Mortgage advice truro and cornwall

Mortgage Broker Cornwall

Our mortgage brokers in cornwall offer both telephone and face to face advice on residential and commercial Mortgages .We offer advice regionally and nationally through our qualified advisor’s and mortgage brokers. All of our enquiries are dealt with at our office in Truro ,Cornwall . All of our FCA qualified advisors are experts in their field and have years experience in recommending mortgages. This experience enables us to  ensure that you get the best deal and apply to the right mortgage lenders. It also means that you will always speak to somebody who is knowledgeable and will immediately be able to answer any questions or queries that you may have. Whether it be a straight forward re mortgage or the most complex mortgage case our mortgage advice centre brokers and advisor’s will be able to add value to your mortgage search through offering advice and helping you make savings. If you are confused about the mortgage process then take a look at our guide regarding the mortgage application process. We have a constant eye on the market so we know which lenders to approach and   which mortgage companies  offer the most competitive packages with the best benefits. We do not just look at the monthly cost but also factors such as redemption penalties, cash back, free services, overpayment options and repayment options and many more.

We offer friendly face to face appointments in the following areas: Cornwall, Truro, Falmouth, Newquay & St Austell.

 

 

Mortgage Advice Truro

Mortgage Advice

Mortgage Advice

Whilst we offer mortgage advice from our offices in Truro we provide advice throughout Cornwall and the UK.  We offer our services  over the phone, email and on Skype. Find out more on our about page We do not pass on any information to third parties and all enquiries are dealt with at our office, we do not sell any information on to other brokers. We value the dedicated service that we provide to ensure that our clients receive the smoothest of experience in a personalised manner. You will always have direct contact to a nominated advisor who will have at least 5 years experience in providing FCA regulated advice. We can also recommend conveyancing firms that we work with regularly to ensure that the whole process is managed efficiently from start to finish, to make the process as stress free as possible. If you require face to face advice in Cornwall then please feel free to contact us to see our brokers can help.

Mortgage broker Truro
Mortgage Advice

Mortgage Advice

Our mortgage brokers search across the whole of the market to get you the best deals. Our mortgage advice is impartial and we are registered as independent advisor’s with the Financial Conduct Authority. We offer mortgage advice Truro, mortgage advice Cornwall and mortgage advice nationally. We search across all of the major prime lenders and also have direct access to specialist and niche lenders when required. Our mortgage brokers will find u the best mortgages whether  you require mortgage advice Truro, mortgage advice Cornwall or mortgage advice nationally. We are based in Truro, Cornwall and nationally have years of experience in applying for both commercial and residential mortgages and insurance. From experience we know what each individual lender is looking for so that we do not waste time applying to lenders who may not accept you. We will look at your affordability, incomes and credit scores to make sure that we have a clear picture of your situation before applying to lender.

Providing expert advice for 10 years

Speak directly to an expert Mortgage broker

 


Our Mortgage Advice and Insurance Services:

We provide advice on all mortgage and insurance products

(Residential and Commercial)


The Mortgage Process
  1. Getting to know our clients – As we offer independent financial advice our job is to ensure that we recommend the most suitable mortgage for your circumstances. To be able to do this we go through a fact find that helps us gain an understanding of your situation. This will include personal details, assets and liabilities, objectives, affordability and credit history.
  2. Once we know what you are looking for then we research the whole of the mortgage market to find a shortlist of mortgages that we discuss with you. In some cases this is straight forward and in other cases we use our experience and expertise to find suitable lenders who will consider your applications.
  3. Once we finalise a lender then we will usually apply for an agreement in principal with the lender. The agreement in principal is a document that the lender provides stating that according to the information given they will provisionally agree to lend the proposed amount,. This document is often asked for by estate agents as proof that you are able to raise mortgage funds.
  4. The next stage is to proceed to a full application. This requires more details to be inputted into the application such as, property details, solicitor, estate agent details and the choice of product. Once the full application has been submitted the lender will then ask for proof of details that have been inputted into the application. Such as proof of pay, bank statements and accounts. They will also instruct the valuation.
  5. Once all the requests such as valuation, and verifications have been satisfied the lender will then produce a mortgage offer document. This will be posted to the client, advisor and solicitor. At this stage the lender is confirming that they are offering to lend you the loan requested in writing, confirming the conditions of the loan. You then sign and return the document to accept the offer from the lender.
  6. Once the solicitor receives the mortgage offer then they will work on the legalities of securing the loan against the property and ensuring that any conditions on the mortgage offer are met.
Let Us find you the cheapest insurance
Insurances to protect your mortgage, home  and loved ones

We offer whole of market insurance  advice. Our advisor’s will go through your current situation and recommend the policies that you should have in a perfect world. We appreciate that at the end of the day affordability is paramount  and  our advisor’s will advise based on your budgets . However it is essential that you know what your options are and what sort of cover is available for you. There are so  many different insurance products available such as life insurance, mortgage protection insurance, critical illness insurance , whole of life insurance, accident, sickness and unemployment cover, income protection, private medical insurance and home and contents insurance. Our advisers we be able to identify which policies would be suitable for your  individual circumstances and will be able to demonstrate the costs and the benefits. As well as offering mortgage advice all our advisor’s are qualified to give life insurance advice along with the associated insurances. We do not just look at which policies are the cheapest which obviously we do consider but also look at the benefits and the overall package that the policy delivers. It is essential when taking out insurances that you know what you are covered for so that your expectations are met on a claim. Every insurance company tries to provide something different to the next one to differentiate its self, our insurance advisor ‘s will be able to compare and recommend  one company over another . Because all advice is FCA regulated then you will receive a letter detailing the recommendations along with the why they are suitable for your circumstances.


Commercial Mortgages

We have a lot of experience advising on Commercial Mortgages and will help you find the most suitable lender from both across the high street and niche lenders, remember we are whole of market so if there is a commercial mortgage available then we will be able to find it.

We are receiving a lot of enquiries from existing customers of high street banks who have found that they are now being offered terms that are not benefiting them or are fitting their objectives. We help to find more flexible lenders who will help you achieve your goals and aspirations.

If you have an existing commercial mortgage or are looking to fund a project then please contact us on 01872 250190 to speak to one of our mortgage broker cornwall consultants who will be able to help you.

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