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Independent Mortgage Brokers in Bolton:
| M Walker Mortgage Specialist | 599 Chorley Old Road, Bolton, Lancashire, BL1 6BL | 07816 971963 | 07816 971963 | mark@mwalkermortgagespecialist.co.uk | http://www.mwalkermortgagespecialist.co.uk/index |
| The Financial Options Group | Stoneholme, 42 High Street, Walshaw, Bury, BL8 3AN | 0161 764 9944 | contact@financialopts.co.uk | https://www.financialopts.co.uk/ |
| Advanced Mortgage Solutions | 15 Lee Lane, Horwich, Bolton, Lancashire BL6 7BP | 01204 696886 | sales@advancedmortgagesolutions.co.uk | http://advancedmortgagesolutions.co.uk/ |
| CJT Financial Planning Ltd | Corby House, 38 Chorley New Road, Bolton, BL1 4AP | 01204 397053 | enquiries@cjt.uk.com | https://www.cjt.uk.com/index.php |
| Davies Carrington Ltd | Fernhills Business Centre, Todd St, Bury, Lancs, BL9 5BJ | 0161 763 7383 | chris@daviescarrington.co.uk | https://www.daviescarrington.co.uk/ |
| Christopher Kennaugh Just Mortgages – Mortgage Advisor & Mortgage Broker | 21 Conningsby Close BL7 9NY Bolton | 07463 889002 | christopher.kennaugh@justmortgages.co.uk | https://www.justmortgages.co.uk/ |
| BARLOW IRVIN FINANCIAL SERVICES | 454 Darwen Road, Bromley Cross, Bolton, Greater Manchester, BL7 9DX | 01204 304 814 | office@barlow-irvin.co.uk | https://barlow-irvin.co.uk/ |
| Heavenly Finances | Ashberry House, 41 New Hall Lane, Heaton, Bolton, BL1 5LW | 01942 686970 | enquiries@heavenlyfinances.co.uk | https://www.heavenlyfinances.co.uk/ |
| The Mortgage Centre Uk Ltd | Universal House, 54 Higher Market St, Farnworth, Bolton BL4 9BB | 01204 705110 | enquiries@mortgagecentreuk.com | http://www.mortgagecentreuk.co.uk/ |
What are the benefits of using an independent mortgage broker in Bolton?
Using an independent mortgage broker in Bolton offers several benefits that can significantly enhance the mortgage application process and the overall experience for the borrower. These advantages include:
Independent mortgage brokers in Bolton provide tailored guidance and expert advice, taking the time to understand the borrower’s unique financial situation and goals. This level of personalisation is invaluable, especially for first-time homebuyers or individuals with complex financial situations.
These independent mortgage brokers in Bolton have a deep understanding of the mortgage market and access to a wide range of mortgage products from various lenders, including those not available to the general public. This means they can find the best mortgage rates and terms that suit the borrower’s specific situation.
Independent Mortgage brokers in Bolton have strong relationships with lenders and can leverage these connections to negotiate better terms on behalf of the borrower. They understand the ins and outs of the mortgage application process and can present the borrower’s case to lenders in the best light, resulting in lower interest rates, reduced fees, or other favourable conditions.
Searching for mortgages online can be a time-consuming and overwhelming process. By working with independent mortgage brokers in Bolton, the borrower can save precious time and effort. The broker handles paperwork, submits applications, and follows up with lenders, saving the borrower from tedious tasks.
Independent mortgage brokers in Bolton are not tied to any specific lender or institution. They work for the borrower, providing impartial advice and guiding them towards the best mortgage solution without any bias. This ensures that the advice given is tailored to meet the borrower’s needs and financial goals, saving them from potential pitfalls or unfavourable terms often associated with online mortgage applications.
With Independent mortgage brokers in Bolton they are certified professionals who have a duty of care to their clients. They can provide expert financial advice, helping borrowers navigate the mortgage process and make informed decisions about their financial future.
These Independent mortgage brokers in Bolton often have access to a broader range of mortgage products than borrowers could find on their own. This includes products that may not be available to the general public or through direct lender channels.
Mortgage brokers can handle the paperwork and application process for the borrower, making the process smoother and less stressful.
Many mortgage brokers can also advise on insurance products, such as life, home, and critical illness insurance, to help borrowers protect themselves and their loved ones in the event of unforeseen circumstances.
Independent mortgage brokers in Bolton can offer whole-of-market access, providing borrowers with a comprehensive view of the mortgage market and the best deals available, rather than being limited to a specific lender or a few select products.
Engaging an independent mortgage broker adds a valuable layer of expertise to the mortgage application process. They can help borrowers present a compelling financial profile, optimising their chances for favourable terms, lower interest rates, and an expedited approval process.
Independent mortgage brokers can simplify the lending process by identifying lenders tailored to the borrower’s specific needs and providing transparency, responsiveness, and a commitment to guiding them through the lending process.
Many independent mortgage brokers offer their services for free, which can be a significant advantage for borrowers who want to save money and avoid additional costs.
Independent mortgage brokers are bound by law to have a duty of care towards their clients and to find the best mortgage for their circumstances. This ensures that the broker’s interests are aligned with those of the borrower.
Mortgage brokers must be qualified mortgage professionals, holding certifications such as Cert CII (MP) or CeMAP. This guarantees that the broker has the necessary knowledge and expertise to guide the borrower through the mortgage process
Will act as a middleman between borrowers and lenders to find a suitable loan. They often have a vast network of lenders, a variety of loan types, and the ability to negotiate terms. Brokers primarily focus on securing a loan, whereas advisors offer broader financial advice and help borrowers consider their long-term financial health.In summary, the key differences between a mortgage adviser and a mortgage broker are:
A mortgage adviser provides comprehensive financial advice, while a mortgage broker focuses on securing a loan.
Mortgage advisers offer tailored advice based on the borrower’s financial health, whereas brokers primarily focus on the transactions and getting the best deal for the borrower.
Mortgage advisers guide borrowers through the mortgage process, ensuring they make informed decisions about their financial future, whereas brokers connect borrowers with lenders and negotiate terms on their behalf.
Both roles are crucial in the mortgage application process, and borrowers may benefit from working with either a mortgage adviser or a mortgage broker depending on their specific needs and circumstances.
| BL0 | BURY | Ramsbottom, Edenfield, Shuttleworth | Bury, Rossendale |
|---|---|---|---|
| BL1 | BOLTON | Bolton centre, Smithills, Halliwell, Heaton | Bolton |
| BL2 | BOLTON | Bolton centre, Ainsworth, Bradley Fold, Bradshaw, Breightmet, Harwood, Tonge Fold, Tonge Moor | Bolton, Bury |
| BL3 | BOLTON | Bolton centre, Little Lever, Great Lever, Darcy Lever, Deane | Bolton |
| BL4 | BOLTON | Farnworth, Kearsley | Bolton |
| BL5 | BOLTON | Over Hulton, Westhoughton | Bolton |
| BL6 | BOLTON | Blackrod, Horwich, Lostock, Rivington | Bolton, Chorley |
| BL7 | BOLTON | Belmont, Bromley Cross, Chapeltown, Edgworth, Egerton, Turton | Blackburn with Darwen, Bolton |
| BL8 | BURY | Bury centre, Brandlesholme, Greenmount, Affetside, Hawkshaw, Holcombe, Ramsbottom, Tottington, Walshaw | Bury |
| BL9 | BURY | Bury centre, Heap, Heap Bridge, Nangreaves, Summerseat, Unsworth, Walmersley, Bircle, Jericho | Bury |
| Coordinates: 53.587°N 2.408°W | |
| Country | United Kingdom |
|---|---|
| Postcode area | BL |
| Postcode area name | Bolton |
| Post towns | 2 |
| Postcode districts | 10 |
| Postcode sectors | 53 |
| Postcodes (live) | 10,285 |
| Postcodes (total) | 13,912 |
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