Frequently Asked Questions About Mortgages
Which is the best mortgage?
The simplest is often the cheapest in the
long run, however not everybody's requirements are straightforward. Among the
the many factors that have to be taken into account when choosing a mortgage
are: - the purpose of the mortgage, the way in which it is to be repaid, the
applicant's employment status and the type of property being mortgaged. You then
have to sift from the literally hundreds of ever changing deals that are being
offered by lenders in order to find the one which will offer you best value.
How can I decide which is best for me?
The easient way by far is to speak to us. Our Mortgage Advisor Liz Mayer is
experienced at finding a mortgage to suit the individual. She also has superb
technological support which can accurately compare the products of all major lenders.
How much can I borrow?
Anyone serious about moving house needs to know exactly how much money they
can borrow, and how much it will cost. An early consultation with an expert will
allow you to determine exactly what your financial position is, and what commitment
you will be making at various levels of borrowing.
The best time to consult a
mortgage expert is BEFORE you start looking for your new
home. In this way you will not only be in full possession of all the financial facts, but
you will also have done much of the necessary legwork and be in a stronger position as a buyer.
What
do I do first?
A free consultation with Keys mortgage advisor will set you off on the right track. Issues such
as the amount and type of mortgage, method of repayment, affordability will all
be covered during your first meeting.
How
much will your advice cost?
We do not charge fees for mortgage advice. Our time is paid for by a combination
of an introducer's fee from lenders and commission paid to us for arranging the
insurances you will require to arrange alongside your mortgage. We will always
provide you with details of these payments before you are committed to any such
course of action.
I am
not sure if I can get a mortgage?
It is always worth talking to us as there are now mortgages available
for any purpose and to suit all employment situations.
How do I contact you?
Simple telephone Keys on 01782 399911 to arrange an appointment. Alternatively
click here to generate our email form.