We are not tied to any particular lender, which means that we have the ability to act on your behalf, representing your best interests, in order to establish the most appropriate mortgage solution for you.
The credit crunch, which started in 2007, dried up the supply of mortgage finance with some specialist lenders being driven out altogether. Now there are a smaller number of mortgage lenders that have increased their hold over the market for new UK home loans.
The lending community itself has undergone dramatic change, with many lenders either merging or ceasing lending altogether. Fewer lenders means less competition, and those lenders still in the market have only limited amounts to lend, so they aren't competing so hard with each other if borrowers do not have a substantial deposit.
Lenders have become much more careful about who they lend to, and on what terms.
However we can just research mortgage products, which you the client, can then apply directly to the relevant lender.
We look at your mortgage not only as a loan to buy your home, but as part of your overall financial profile, in order that it ties in with your intended retirement date, when you plan to start a family and when you wish to move home.
Based on the information you provide in your meeting with our adviser (it is essential that you provide truthful and up to date information), we will search the mortgage market reviewing the lenders available, some of which offer exclusive products to brokers such as ourselves, to determine which lender will offer you the most attractive mortgage options suited to your particular requirements.
One of our mortgage experts will then contact you to discuss your enquiry, source the products on your behalf, answer any queries you may have and provide you with any further information you may require.
For more information, please call 01904 670 430 or click to Email us
Please click here to review our corporate site at Mainestream.
There will be a fee for mortgage advice. The precise amount will depend upon your circumstances but a typical fee will be £199.