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Here Are The Top 10 Independent Mortgage Advisers In Bolton Offering Expert Mortgage Advice.
| Charles Louis Mortgage Advisers | 4 Bolton St, Ramsbottom, Bury BL0 9HX | 0161 959 0166 | info@charleslouis.co.uk | https://charleslouis.co.uk/ |
| ProActive Financial Planning | 37 Mawdsley Street, Bolton, BL1 1LN | 01204 398435 | info@proactbolton.com | http://proactbolton.com/index.php |
| MRH Financial Advisors Ltd | Caroline House, 115-125 Bradshawgate, Bolton BL2 1BJ | 0844 561 8835 | mail@mrhfal.co.uk | http://www.mrhfinancial.co.uk/ |
| Kingswood Wealth Management Ltd | Manor House, Long Lane, Bury, Lancashire, BL9 5QT | 0161 762 0108 | alice@kingswoodwealth.co.uk | https://kingswoodwealth.com/ |
| Bolton Business Finance Ltd | 6th Floor Regus, 120 Bark Street, Bolton, Greater Manchester, BL1 2AX | 01204 860113 | marcus@bolton-finance.co.uk | https://bolton-finance.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/ |
| Rivington Mortgages | 166 Chorley New Road, Horwich, Bolton, BL6 5QW | 01204 699002 | info@rivingtons.co.uk | https://www.rivingtons.co.uk/ |
| Transform Mortgages | Atria, Spa Road, Bolton, BL1 4AG | 01204 284011 | https://transformmortgages.co.uk/ |
How to choose the right mortgage adviser in Bolton 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 Bolton
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 Bolton 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 Bolton 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 Bolton 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 Bolton 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 a mortgage adviser in Bolton before hiring them?
When considering hiring mortgage advisers in Bolton, 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 Bolton is properly authorized 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 Bolton has 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 Bolton 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 Bolton 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.
These Are The Postcodes in Bolton The Mortgage Brokers Cover:
| 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 |
More Bolton Information:
| 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 |
Speak to Bolton 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 Bolton mortgage brokers and mortgage advisers or scroll through the companies listed and contact the mortgage brokers directly.
