Rental Property Prices Increase Tenants are now paying an extra £62 a month more in rent now than
Work from home drives demand across most sectors. A record number of property sales and home moving has
Recent figures from Estate Agents has shown the demand for homes Recent figures from Estate Agents has shown
Questions to ask yourself before you start house hunting Thinking carefully about the answers and be honest with
Here are the Top 25 Independent Mortgage Brokers & Advisers covering Bodmin:
| Mortgages 4 Plymouth | 8 Peverell Park Rd, Peverell, Plymouth PL3 4NA | 01752 264500 | info@mortgages4plymouth.co.uk | https://mortgages4plymouth.co.uk/ |
| Brunel Mortgage Services | 97 Mutley Plain, Mutley, Plymouth PL4 6JJ | 01752 200002 | reception@brunelmortgages.biz | https://www.bmis.co.uk/ |
| Mortgage Advice Bureau | Hyder House, Brooklands Business Park, 680 Budshead Rd, Plymouth PL6 5XR | 01752 204000 | n/a | www.mortgageadvicebureau.com |
| Trinity Independent Mortgage Brokers | 6 Southside St, Plymouth PL1 2LA | 01752 201221 | info@trinitymortgages.net | http://trinity-mortgages.com/ |
| The Mortgage Guy Ltd | Avon House, 163 Ridgeway, Plympton, Plymouth PL7 2HJ | 01752 346604 | info@tmgltd.co.uk | www.themortgageguyltd.co.uk |
| Curwins Mortgage Advisers Ltd | 249 Dean Cross Rd, Plymstock, Plymouth PL9 7AZ | 01752 491111 | n/a | www.mortgageadvisersplymouth.co.uk |
| Ocean Mortgages Ltd | 15 Athenaeum St, Plymouth PL1 2RH | 01752 658906 | enquiries@oceanmortgagesplymouth.co.uk | https://www.oceanmortgagesplymouth.co.uk/ |
| Trafalgar Mortgage Services | 5 Deeble Cl, Plympton, Plymouth PL7 4BR | 01752 341989 | mike@ifa-trafalgar.co.uk | https://www.ifa-trafalgar.co.uk |
| SWIFS Mortgages Plymouth | Elburton Rd, Elburton, Plymouth PL9 8HX | 0800 0934 909 | info@swifs.co.uk | https://www.swifs.co.uk/ |
| CMB Mortgage Consultants | 2A Oxford Ave, Peverell, Plymouth PL3 4SQ | 01752 279818 | k.parker@mortgagesfromcmb.co.uk | http://www.mortgagesfromcmb.co.uk/ |
| Mortgages Explained | Cobourg House, Mayflower St, Plymouth PL1 1QX | 01752 242767 | admin@mortgagesexplained.co.uk | www.mortgagesexplainedplymouth.co.uk/ |
| Just Mortgages Plymouth | 39 Mutley Plain, Mutley, Plymouth PL4 6JQ | 01752 674000 | info@justmortgages.co.uk | https://www.justmortgages.co.uk/ |
| Clan Financial Services | 11 Kneele Gardens, Plymouth PL3 5RL | 01752 318353 | info@clanfs.co.uk | https://clanfs.co.uk/ |
| Trusted Financial Advice | Prudence House, Plymouth PL7 5JX | 01752 347070 | enquiries@tfagroup.co.uk | https://tfagroup.co.uk/ |
| Lifestyle Financial Solutions Ltd | 71 Ridgeway, Plympton, Plymouth PL7 2AW | 01752 344488 | n/a | www.sjpp.co.uk |
| PIM Financial Services | Falcon House Business Centre, Eagle Rd, Plymouth PL7 5JY | 0800 169 7254 | enquiries@pimb.co.uk | https://www.pimb.co.uk/ |
| Spurrier Financial Solutions | 133 Compton Avenue Plymouth PL3 5DE | 01752 604623 | info@spurrierfs.co.uk | www.plymouthmortgagesolutions.co.uk/ |
| Jan ONeill Mortgages Plymouth | Mutley, Plymouth PL4 7AA | 01752 256915 | info@janoneillmortgages.co.uk | https://www.janoneillmortgages.com/ |
| The Mortgage Place Plymouth | 6-8 College Ave, Mutley, Plymouth PL4 7AN | 01752 260500 | info@tmpp.co.uk | https://www.tmpp.co.uk/ |
| Nathan Reeves Mortgage Advice | 24 Beatrice Ave, Lipson, Plymouth PL4 8QB | 07887 525685 | nathan.reeves@mab.org.uk | https://en-gb.facebook.com/reevesmortgages/ |
| LEA Financial Services | 6 Keppel Pl, Plymouth PL2 1AX | 01752 561981 | enquiries@lea-financial-services.co.uk | https://www.lea-financial-services.co.uk/ |
| Three Sixty Mortgages | Floor 1, Studio 5, 11 5 Millbay Rd, Plymouth PL1 3LF | 01752 905360 | enquiries@threesixtymortgages.com | https://threesixtymortgages.co.uk/ |
| Eddison Wells | 6 N Rd E, Plymouth PL4 6AB | 0800 808 9981 | info@eddisonwells.co.uk | https://www.eddisonwells.co.uk/ |
| Save On Mortgages | 33 The Old Wharf, Plymouth, PL9 7NP | 01752 408040 | n/a | https://www.saveonmortgages.co.uk/ |
| Responsible Equity Release | 11-21, Mills Bakery, Royal William Yard, Stonehouse, Plymouth PL1 3GE | 0800 012 4180 | info@responsiblelife.co.uk | https://www.responsibleequityrelease.co.uk/ |
| Mark John Mortgage Advice | 22 Barton Brake, Wembury, Plymouth PL9 0BJ | 07792 024642 | mark.john@mab.org.uk |
If you are looking for Mortgage Brokers in Bodmin then you have come to the right place. Mortgage brokers network have one of the largest selection of mortgage brokers and mortgage advisers waiting to help you. Mortgage brokers and mortgage advisers can find the best mortgage for you and apply for the mortgage on your behalf.
Mortgage brokers and mortgage advisers will review the mortgages available to you based on your personal financial situation. Such as income, deposit etc and apply for one on your behalf. They can save you a lot of time by telling you which mortgage lenders are likely to accept you. They will also show you if you could improve your application, and could help speed up the process by dealing with some of the paperwork.
The mortgage brokers and mortgage advisers could actually save you a lot of time and stress. They will handle everything from start to finish. Firstly searching for the right deal to applying and communicating with the mortgage lender on your behalf.
Mortgage brokers and mortgage advisers have expert knowledge and experience of the mortgage market. They will be able to recommend which deals suit your personal situation. They should have access to specialist mortgage software which allows them to search through the mortgage deals much faster and more thoroughly than you could possibly do yourself.
A mortgage broker should know which mortgage lenders are likely to accept you and will help you avoid deals that you are likely to be unsuccessful in being accepted. Unsuccessful applications could have a negative effect on further applications. You will also have the opportunity of recourse if you take out a mortgage using a broker if the mortgage turns out to be unsuitable. This isn’t available if you apply for a mortgage without taking advice.
Firstly, you should check that your mortgage broker or mortgage adviser is authorised to give mortgage advice by consulting the Financial Services Register. Before you actually formally apply for a mortgage. The mortgage broker should thoroughly explore your financial circumstances. They should thoroughly explain what types of mortgages there are and the different deals available. They should advise you on which mortgage deals they feel meet your needs and give you clear justifiable reasons why they’re recommending a particular mortgage deal.
If for any reason you think you’ve received bad advice, you can make a formal complaint. Firstly speak with mortgage broker or mortgage adviser that advised you to see if they can offer a solution to the problem. If they don’t resolve your complaint satisfactorily within eight weeks from the date you complain. Then take your complaint to the Financial Ombudsman Service (0800 023 4567).
Deciding where you want to buy your first home in is only the first step in getting the keys to your home. The process may seem a little overwhelming and daunting. From finding the property, getting the best mortgage deal to liaising with estate agents and solicitors. There are also a lot of different terms thrown at you from the second you start looking at mortgages. Terms like Repayment mortgages, fixed rate, standard variable, etc.
Simply, a mortgage is a loan you take out with a lender for a number of years. The length of time over which you have a mortgage is called the mortgage term. A mortgage can be anywhere between 5 and 40 years. A mortgage is a type of secured loan. Which means it’s secured against a property- usually the property you want to buy with the mortgage. Using a property as security for a loan means that the lender can repossess it if you don’t keep up mortgage payments.
To take out a mortgage, you must put down a mortgage deposit of at least 5% of the purchase price. The mortgage will make up the rest. The good news is you don’t have to figure it all out by yourself. A Good mortgage broker or mortgage advisers in Bodmin should help you find the best mortgage deal for your situation. They should assist you at every stage of your home buying journey.
Whether you’ve moved homes before or this is your first time you’re selling your home. Good mortgage brokers and mortgage advisers in Bodmin will be able to help you. Whether you want to port your mortgage over to your new property or get a completely a new mortgage. There are certainly things you should consider.
If you’re thinking about porting your mortgage sometimes your lender won’t allow this. For instance the lender might find the property you want to buy unacceptable. When you port your mortgage you effectively have to reapply for the borrowing. You may not qualify as your circumstances might be different.
Also your profession may have changed or your outgoings have increased. Equally your circumstances may not have changed but your lender may have changed their criteria. If you are looking at getting a new mortgage. You should find out if you face an early repayment charge if you choose to leave your current mortgage product. Alternatively you could switch to a different type of mortgage with a different rate and term. However you don’t need to stick with the same product as you could choose from any available products. They could be fixed, variable, tracker, discount etc. A mortgage broker and mortgage advisers will be able to advise you on the mortgages available.
Remortgaging your home could help you save money on your monthly bills. Or even raise money to pay off some debts or fund a home improvement project. However it’s not suitable for everyone. Many borrowers choose to remortgage every few years to take advantage of new rates on offer if their fixed rate or deal is about to end. Rather than go onto their lenders standard variable rate. Remortgaging could also allow you to consolidate debts. You would release some of the equity in your home and take out a new mortgage for a higher amount. Please think carefully before consolidating debts this way. Also some people remortgage to avoid moving home, they raise money to pay for home improvements. Mortgage brokers and mortgage advisers in Bodmin will be able to help you with remortgaging.
A buy to let or buy to rent mortgage is a type of mortgage for properties that are owned or purchased with the intention of renting the property out to a tenant. They are commonly set up on an interest only basis. Which means only the monthly interest payments are paid each month. The outstanding loan doesn’t reduce and is paid back at the end of the mortgage term. Mortgage brokers and mortgage advisers in Bodmin will be able to help you with buy to let mortgage advice.
Later in life you may find you need additional income. One solution may be to release some money from the value of your home, whilst continuing to live there. An equity release provider can provide you with either a lump sum or an income in exchange for part of the value of your home. The two popular types of equity release are Lifetime mortgages and home Reversions.
Whether equity release is right for you or not will depend on your circumstances. Mortgage brokers and mortgage advisers in Bodmin who are qualified to advise on equity release will be able to advise you. They could advise on the rates and the advantages and disadvantages.
Speak to mortgage brokers and mortgage advisers for help and advice. By using Mortgage Brokers Network we can connect you with over 2,500 Mortgage brokers throughout the UK. Please use our ‘Get Mortgage Advice’ quote form to receive advice from local mortgage brokers and mortgage advisers in Bodmin or scroll through the companies listed and contact the mortgage brokers directly.
If you have any issues with Mortgage Brokers you can contact the Financial Ombudsman Service at https://www.financial-ombudsman.org.uk/ or you can contact Plymouth trading standards at.
https://www.devonsomersettradingstandards.gov.uk
© Mortgage Brokers Network | All Rights Reserved | Designed by Odesigning.com Solutions
