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Mortgage Advice

Our mortgage advisers provide free impartial mortgage advice

Here at Ascot Mortgages, we have helped many people to arrange a mortgage and a testament to our service is that we build on our client relationships and continue to help our clients with their mortgage needs over and over again. Our Mortgage advisers pride themselves on keeping up to date with all Lenders Criteria.

Allowing us to source and arrange your mortgage will save time and increase the likelihood of success when applying to a lender.

Considering your needs

The first step in finding you the right mortgage is to understand your requirements. Our mortgage advisers will take information from you over the telephone, via email or appointment to determine which mortgage deal would be best. You may be looking for a high loan-to-value mortgage if you have a low deposit (90% Mortgages and 95% Mortgages) or you may be looking in to the possibility of the goverments Right to Buy Mortgage Scheme.

Finding the most suitable mortgage

We provide advice about the different types of mortgage available and can provide details about mortgages from every UK lender. Sometimes it not always about what the cheapest interest rate is advertised, a lot of the time these deals have limited criteria or high arrangement fees. It is our mortgage advisers job to get the best mortgage deal over the term or your mortgage by finding out more about your circumstances. In most cases if you intend to rent out the property you will need a buy to let mortgage, buy to let mortgages usually require more deposit than residential mortgages - however Ascot Mortgages are specialist buy to let mortgage brokers with unrivalled access to a range of High LTV Buy to Let Mortgages.

Confirming eligibility

In the current mortgage market it has never been so difficult to get a mortgage, it is therefore vital that you do not apply to a lender unless you can be certain that you will qualify for their mortgages; applying unsuccessfully to a lender may harm your credit rating. It is reported that some lenders turned down up to 80% of mortgage applicants in 2009.

Ascot Mortgages understands lender's lending criteria and can approach the lender to talk generically about specific situations to 'sound out' the lender before applying.

Applying for a mortgage

For the majority of mortgage applications we can apply electronically on your behalf, saving you time. We also know how to complete application forms accurately thus reducing the possibility of being declined.

Liasing with the lender

Where we have applied for the mortgage on your behalf we act as your agent. We can obtain information from the lender, estate agent and solicitor to monitor the progress of your application and ensure that everything goes smoothly.

Post completion

When your current mortgage comes to an end we can help you find a replacement mortgage so that you continually maintain a competitive mortgage. Your next application is simplified as we hold 90% of the information required to apply to another lender. The remaining 10% will simply cover information that may have changed over the years; salary changes, new loans or old loans repaid.

CLICK HERE to contact us for a free initial consultation with one of our friendly and experienced advisers. We are happy to discuss your situation and help you choose the best option.

Need Help or Advice? Ascot Mortgages Ltd offer a completely free initial consultation with one of our fully qualified and highly experienced independant financial advisors. Click here arrange your free consultation by email or telephone 01925 711558

Ascot Mortgages Ltd are impartial “whole of market” mortgage advisors. This means we can find you the very best mortgage deals from the whole mortgage market.