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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.

Your Home is at risk if you do not keep up repayments on a mortgage or other loan secured on it. A life Assurance Policy may be required. Full written details including a quotation are available on request. All loans are subject to status, and the type and value of the property. Loans are not available for persons under 18 years of age.

Ask to speak to our Mortgage Advisor on 01782 399911 or Email Keys at
Houses@KeysofStaffs.co.uk