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Top 20 Mortgage Brokers & Advisers in Bournemouth
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Here Are The Top 10 Mortgage Advisers in Bournemouth:
| St Barts Finance Limited | 260-264 Charminster Road, Bournemouth, BH8 9RR | 01202 520550 | admin@stbartsfinance.co.uk | https://stbartsfinance.co.uk/ |
| Dorset Financial Planning | Southbourne, Bournemouth, Dorset BH5 2DT | 07862 708429 | 01202 416856 | info@dorsetfinancialplanning.com | http://bournemouth-mortgage-broker.co.uk/index.html |
| BARRETT MORTGAGES | 84 Ashley Road, Poole, Dorset, BH14 9BN | 01202 733809 | enquiries@barrettmortgages.com | https://www.barrettmortgages.com/ |
| Archway Financial Solutions | 17 Headlands Business Park, Salisbury Road, Ringwood, Hampshire, BH24 3PB | 01425 600616 | advice@archwayfs.com | https://archwayfs.com/ |
| Unique Financial Planning Ltd | Suite B, Manor House, 1 Macaulay Road, Broadstone, Dorset, BH18 8AS | 01202 650077 | info@uniquefp.co.uk | https://www.uniquefinancialplanning.co.uk/ |
| YES Mortgage Services Limited | Four Winds, 22 Windmill Lane, Avon Castle, Ringwood, BH24 2DQ | 0800 612 5596 | info@yesmortgageservices.co.uk | https://yesmortgageservices.co.uk/ |
| Christchurch Financial | 1A Runnymeade, Ringwood Road, Bransgore, Christchurch, BH23 8NJ | 01202 486 272 | info@christchurchfinancial.co.uk | https://www.christchurchfinancial.co.uk/ |
| Cherry Mortgage & Finance Ltd | Basepoint Business Centre, Aviation Business Park, Enterprise Close, Christchurch, BH23 6NX | 01202 925 365 | info@cherryfinance.co.uk | https://www.cherryfinance.co.uk/ |
How to choose the right mortgage advisers in Bournemouth for your needs
When choosing the right mortgage adviser for your needs, here are some key factors to consider:
Look for a whole-of-market mortgage advisers in Bournemouth
One of the most important things is to find a mortgage adviser that has access to the entire mortgage market, not just a limited panel of lenders. A whole-of-market adviser can compare products from all available lenders to find the best deal tailored to your specific circumstances.
Ask about direct-only deals
Some mortgage products are only available if you apply directly with the lender, not through an adviser. A good adviser should inform you about any direct-only deals that could potentially be cheaper for you, even though they can’t arrange those mortgages themselves.
Consider the type of adviser
You have the choice between traditional mortgage brokers who provide face-to-face or phone advice, and online/digital mortgage advisers in Bournemouth that operate through websites and apps. Evaluate which approach suits your preferences and needs.
Check their qualifications and regulation
Make sure the mortgage advisers in Bournemouth are qualified, regulated by the Financial Conduct Authority (FCA), and follows industry standards. This ensures you receive professional, unbiased advice. Advisers who are members of bodies like the Association of Mortgage Intermediaries (AMI) are a good sign.
Understand their fees and commissions
Mortgage advisers in Bournemouth may charge fees (flat rate, percentage-based, or hourly) or receive commissions from lenders, or both. Get full transparency on their fee structure and how they are compensated before engaging them.
Assess their expertise and customer service
Look for mortgage advisers in Bournemouth with expertise in your specific situation, such as first-time buyers, self-employed, or complex financial circumstances. Read reviews, get recommendations, and ensure they can provide the level of guidance and support you need throughout the process.
By considering factors like whole-of-market access, qualifications, fees, expertise, and customer service, you can increase your chances of finding the right mortgage adviser to secure the best mortgage deal for your unique needs
What questions should i ask mortgage advisers in Bournemouth before hiring them?
When considering hiring mortgage advisers in Bournemouth, it’s important to ask the right questions to ensure you find a qualified and reputable professional who can provide the best guidance and options for your specific circumstances. Here are some key questions you should ask a mortgage adviser before hiring them:
1. Are you authorized and regulated by the Financial Conduct Authority (FCA)?
Ensure the advisers in Bournemouth are properly authorised and regulated by the FCA to provide mortgage advice. You can verify their status on the FCA register.
2. Are you a whole-of-market adviser?
Ask if the advisers in Bournemouth have access to mortgage products from all lenders across the entire market, not just a limited panel. Whole-of-market access gives you the best chance of finding the most suitable deal.
3. How much do you charge, and how are you compensated?
Understand the adviser’s fee structure upfront, whether it’s a flat fee, percentage-based, or hourly rate. Also, ask if they receive commission from lenders and how this could potentially influence their recommendations.
4. What qualifications and experience do you have?
Inquire about the adviser’s qualifications, years of experience, and areas of expertise (e.g., first-time buyers, self-employed, complex cases).
5. Can you explain the different mortgage types and options?
Good mortgage advisers in Bournemouth should be able to clearly explain the various mortgage products, interest rate types, and loan terms to help you make an informed decision.
6. How much can I borrow, and what deposit will I need?
The adviser should assess your financial situation, income, and credit profile to provide an estimate of how much you can borrow and the required deposit amount.
7. What is your process and level of support?
Ask about the adviser’s process, from initial consultation to application and completion, and the level of support and communication you can expect throughout.
8. Do you have professional indemnity insurance?
Ensure the mortgage advisers in Bournemouth have professional indemnity insurance in case you need to make a claim for negligent advice.
9. Can you provide references or reviews?
Request references or read reviews from previous clients to gauge the adviser’s reputation and customer satisfaction levels.
By asking these questions, you can better evaluate a mortgage adviser’s qualifications, expertise, transparency, and ability to find the most suitable mortgage product for your needs.
The postcode areas of Bournemouth that the Mortgage Advisers cover:
Postcodes BH1 to BH10
| BH1 | BOURNEMOUTH | Bournemouth Town Centre, East Cliff, Springbourne, Boscombe town centre | Bournemouth, Christchurch and Poole |
|---|---|---|---|
| BH2 | BOURNEMOUTH | Bournemouth Town Centre, West Cliff | Bournemouth, Christchurch and Poole |
| BH3 | BOURNEMOUTH | Talbot Woods, Winton south | Bournemouth, Christchurch and Poole |
| BH4 | BOURNEMOUTH | Westbourne, Branksome Woods | Bournemouth, Christchurch and Poole |
| BH5 | BOURNEMOUTH | Boscombe, Pokesdown | Bournemouth, Christchurch and Poole |
| BH6 | BOURNEMOUTH | Southbourne, Tuckton, Wick | Bournemouth, Christchurch and Poole |
| BH7 | BOURNEMOUTH | Littledown, Iford | Bournemouth, Christchurch and Poole |
| BH8 | BOURNEMOUTH | Bournemouth railway station, Malmesbury Park, Richmond Park, Queens Park, Charminster, Strouden Park, Townsend, Holdenhurst, Throop | Bournemouth, Christchurch and Poole |
| BH9 | BOURNEMOUTH | Winton, Moordown, Throop, Muscliff | Bournemouth, Christchurch and Poole |
| BH10 | BOURNEMOUTH | Kinson, East Howe, Northbourne, Redhill, Ensbury Park, Slades Farm, Talbot Village, Wallisdown | Bournemouth, Christchurch and Poole |
BH11 to BH20 Postcodes
| BH11 | BOURNEMOUTH | Kinson, Bear Cross, West Howe, Wallisdown, Bearwood | Bournemouth, Christchurch and Poole |
|---|---|---|---|
| BH12 | POOLE | Branksome, Alderney, Upper Parkstone, Newtown, Bournemouth University | Bournemouth, Christchurch and Poole |
| BH13 | POOLE | Canford Cliffs, Sandbanks, Branksome Park, Brownsea Island | Bournemouth, Christchurch and Poole; Dorset |
| BH14 | POOLE | Lower Parkstone, Lilliput, Penn Hill | Bournemouth, Christchurch and Poole |
| BH15 | POOLE | Poole Town Centre, Hamworthy, Longfleet, Oakdale, Poole Harbour minor islands | Bournemouth, Christchurch and Poole; Dorset |
| BH16 | POOLE | Upton, Turlin Moor, Lytchett Minster, Lytchett Matravers, Holton Heath | Dorset; Bournemouth, Christchurch and Poole |
| BH17 | POOLE | Canford Heath, Creekmoor, Waterloo | Bournemouth, Christchurch and Poole |
| BH18 | BROADSTONE | Broadstone | Bournemouth, Christchurch and Poole |
| BH19 | SWANAGE | Swanage, Studland, Langton Matravers, Worth Matravers | Dorset |
| BH20 | WAREHAM | Wareham, Arne, Corfe Castle, West Lulworth, Wool, Bovington Camp, Bere Regis | Dorset |
Postcodes BH21 to BH31
| BH21 | WIMBORNE | Wimborne, Corfe Mullen, Sturminster Marshall, Cranborne, Merley, Oakley, Three Legged Cross, Knowlton | Dorset; Bournemouth, Christchurch and Poole |
|---|---|---|---|
| BH22 | FERNDOWN | Ferndown, West Moors, West Parley | Dorset |
| BH23 | CHRISTCHURCH | Christchurch, Highcliffe, Burton, Sopley, Bransgore, Hurn, Bournemouth Airport | Bournemouth, Christchurch and Poole; New Forest |
| BH24 | RINGWOOD | Ringwood, St Leonards, Ashley Heath, Burley, Holmsley | New Forest; Dorset |
| BH25 | NEW MILTON | New Milton, Barton on Sea, Bashley, Wootton, Ossemsley | New Forest |
| BH31 | VERWOOD | Verwood | Dorset |
More Bournemouth Information
More facts about Bournemouth
| Area | 15.54 sq mi (40.2 km2) |
|---|---|
| Population | 187,503 (2011 census) |
| • Density | 12,066/sq mi (4,659/km2) |
| Unitary authority | |
| Ceremonial county | |
| Region | |
| Country | England |
| Sovereign state | United Kingdom |
| Post town | BOURNEMOUTH |
| Postcode district | BH1-11 |
| Dialling code | 01202 |
| Police | Dorset |
| Fire | Dorset and Wiltshire |
| Ambulance | South Western |
| UK Parliament | |
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