What we do.
Mortgages are more than just interest rates and they are definitely not a ‘One size fits all’. What may suit your friend down the pub probably won’t suit you, they need to be tailored to meet your specific needs. It can be an overwhelming process and tricky to understand at times but we’re here to help, every step of the way.
First time buyer.
Buying your first home is such a big milestone in life so it should be celebrated, though it can easily become very overwhelming. There are a lot of different terms thrown at you from the second you start looking at mortgages and the house buying process itself can be difficult to understand, but you don’t have to figure it all out by yourself. We are here to make it as simple and stress free as possible. Not only do we find you the best mortgage deal for your situation, but we also assist you at every stage of your homebuying journey, from start to finish.
Your home may be repossessed if you do not keep up repayments on your mortgage.
First time buyer.
Buying your first home is such a big milestone in life so it should be celebrated, though it can easily become very overwhelming. There are a lot of different terms thrown at you from the second you start looking at mortgages and the house buying process itself can be difficult to understand, but you don’t have to figure it all out by yourself. We are here to make it as simple and stress free as possible. Not only do we find you the best mortgage deal for your situation, but we also assist you at every stage of your homebuying journey, from start to finish.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Home mover.
Moving home should be an exciting process – house viewings, exploring new areas and choosing new décor. We know that mortgages are less fun and sometimes complicated to deal with so let us take that part away for you. We’ll explore the whole of market to find a mortgage that best suits your circumstances, though if staying with the same lender works out best, we can simply arrange for your existing mortgage to be transferred from your old property, to the new (otherwise known as a porting application).
Your home may be repossessed if you do not keep up repayments on your mortgage.
Home mover.
Moving home should be an exciting process – house viewings, exploring new areas and choosing new décor. We know that mortgages are less fun and sometimes complicated to deal with so let us take that part away for you. We’ll explore the whole of market to find a mortgage that best suits your circumstances, though if staying with the same lender works out best, we can simply arrange for your existing mortgage to be transferred from your old property, to the new (otherwise known as a porting application).
Your home may be repossessed if you do not keep up repayments on your mortgage.
Remortgage.
For most people, their mortgage is their largest monthly outgoing, which is why it’s important to review it regularly to avoid paying over the odds. There are many reasons why you may want to remortgage, for example, your current deal is coming to an end, you want to raise some extra money to complete home improvements or you’d like to consolidate your debt.
With the whole of market offering so many products it can be tricky to know what’s right for you.We will always do a cost comparison to see if it’s worth switching your lender, though it may be that slightly adjusting what you have already have could work out cheaper. Either way we will find what’s best for you. Trust us when we say that your best interests are always at the forefront of what we do.
You may have to pay an early repayment charge to your existing lender if you remortgage and your home may be repossessed if you do not keep up repayments on your mortgage.
Remortgage.
For most people, their mortgage is their largest monthly outgoing, which is why it’s important to review it regularly to avoid paying over the odds. There are many reasons why you may want to remortgage, for example, your current deal is coming to an end, you want to raise some extra money to complete home improvements or you’d like to consolidate your debt.
With the whole of market offering so many products it can be tricky to know what’s right for you.
We will always do a cost comparison to see if it’s worth switching your lender, though it may be that slightly adjusting what you have already have could work out cheaper. Either way we will find what’s best for you. Trust us when we say that your best interests are always at the forefront of what we do.
You may have to pay an early repayment charge to your existing lender if you remortgage and your home may be repossessed if you do not keep up repayments on your mortgage.
Buy to Let.
Buying a property as an investment is a big decision so it’s important that you’re aware of the different ways in which a Buy to Let mortgage can be set up. Is your top priority to have a high rental return or a mortgage free portfolio for retirement? Should you own the property through a Limited Company? These are the sort of questions that need to be considered for this type of transaction.
The Buy to Let market has changed drastically over the last few years but it’s our job to keep up to date with these changes, so if you want to have a chat about a new or existing Buy to Let, drop us a line and we’ll be happy to help.
Not all Buy to Let mortgages are regulated by the Financial Conduct Authority and your home may be repossessed if you do not keep up repayments on your mortgage.
Buy to Let.
Buying a property as an investment is a big decision so it’s important that you’re aware of the different ways in which a Buy to Let mortgage can be set up. Is your top priority to have a high rental return or a mortgage free portfolio for retirement? Should you own the property through a Limited Company? These are the sort of questions that need to be considered for this type of transaction.
The Buy to Let market has changed drastically over the last few years but it’s our job to keep up to date with these changes, so if you want to have a chat about a new or existing Buy to Let, drop us a line and we’ll be happy to help.
Not all Buy to Let mortgages are regulated by the Financial Conduct Authority and your home may be repossessed if you do not keep up repayments on your mortgage.
Specialist Lending.
Mortgages can come in all shapes and sizes, there is no ‘one size fits all’. The kind of specialist mortgage you need will depend on your unique situation, so we will take the time to listen to your plans and advise on the best way to approach the funding.
Here’s an idea of specialist lending we can help you with:
Bridging Finance, Second Charges, Self-Employed, Adverse Credit, Development Finance, Lending into Retirement, High Value Mortgages and more…
*Please note that some specialist mortgages are provided by way of a third party broker.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Specialist Lending.
Mortgages can come in all shapes and sizes, there is no ‘one size fits all’. The kind of specialist mortgage you need will depend on your unique situation, so we will take the time to listen to your plans and advise on the best way to approach the funding.
Here’s an idea of specialist lending we can help you with:
Bridging Finance, Second Charges, Self-Employed, Adverse Credit, Development Finance, Lending into Retirement, High Value Mortgages and more…
*Please note that some specialist mortgages are provided by way of a third party broker.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Protection.
For us, setting up your financial protection is as much of a priority as securing your mortgage. Because why put what you’ve worked so hard for at risk?
‘But it won’t happen to me’
This is all well and good… until it does.
We will advise on how to protect the things that matter most to you: your home, your family, your income, your health & the advice we give will be completely tailored to your individual circumstances.
We can’t predict the future, but we can protect your finances.
As with all insurance policies, conditions and exclusions will apply.
Protection.
For us, setting up your financial protection is as much of a priority as securing your mortgage. Because why put what you’ve worked so hard for at risk?
‘But it won’t happen to me’
This is all well and good… until it does.
We will advise on how to protect the things that matter most to you: your home, your family, your income, your health & the advice we give will be completely tailored to your individual circumstances.
We can’t predict the future, but we can protect your finances.
As with all insurance policies, conditions and exclusions will apply.
Extra services.
We don’t just stop at mortgages.
We can help you choose a suitable solicitor, recommend local companies that can do a home survey, we can refer you to our Will writing specialist for any estate planning needs, we even have links with financial advisers to help guide you with your pensions and investments.
Whatever it is, we’ll do our best to assist.
*Wills are not usually regulated by the Financial Conduct Authority
Extra services.
We don’t just stop at mortgages.
We can help you choose a suitable solicitor, recommend local companies that can do a home survey, we can refer you to our Will writing specialist for any estate planning needs, we even have links with financial advisers to help guide you with your pensions and investments.
Whatever it is, we’ll do our best to assist.
What to expect.
1. Free Consultation.
Once you’ve made contact we’ll do our best to book in our free 30 minute consultation as soon as possible. In this meeting we’ll discuss things such as your income, your expenditure, your lifestyle & your budget. By the end of this meeting, you should have a pretty good idea on where you stand with things such as your maximum affordability and estimated costs.
2. Set up your Client Hub.
After your initial consultation we will send you a link so you can set up your very own client portal. On this you will be able to complete your Client Questionnaire and upload any documents that have been requested.
3. It's now up to us.
By now we should have your completed Client Questionnaire alongside requested documents, and we should also have a good idea on what you’re trying to achieve. So it’s time for us to do the research! It’s at this stage we’ll key a Decision in Principle [DIP] if required and provide initial quotations based on this research.
4. Over to you.
If you’re buying a new property then you would have been sent a DIP certificate which is your golden ticket when offering on a new property. You just have to let us know once you’ve had an offer accepted!
5. You're set to go!
You’re ready to proceed and the final lot of requested documentation is in, time to get things moving! We will work with the lender on your behalf to get your mortgage application to offer stage, this typically takes between 2-4 weeks depending on variable factors. Within this time we shall be discussing your personal and property protection needs. We will also be liaising with estate agents, solicitors and other professional parties on your behalf and keeping you in the loop every step of the way.
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The Mortgage Stuff. Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.
Head office location: Festival House, Jessop Avenue, Cheltenham, GL50 3SH.
Registered Office/Postal Address: 4th Floor, Silverstream House, 45 Fitzroy Street, Fitzrovia, London, W1T 6EB.
Registered Company Number: 13130084. Registered in England & Wales.
Financial Services Register | FCA; We are entered on the Financial Services Register under firm reference number 943953.
Typically our broker fee starts from £595 for arranging a mortgage, though the precise amount will depend on your circumstances.
There is no charge for any initial consultation.
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