Independent Mortgage Adviser in Widnes
What Our Clients Say About Us
Your Mortgage Options in Widnes
First-Time Buyer Mortgages in Widnes
For first-time buyers, the journey to homeownership begins with understanding your mortgage options in Widnes. An independent mortgage advisor in Widnes can guide you through various available mortgage products that best fit your needs and financial situation.
- Consultation: A free consultation with a mortgage advisor in Widnes to review your financial status and discuss potential mortgage rates.
- Property Selection: Help in selecting the right property within your budget.
- Mortgage Application: Assistance in filing the mortgage application with all necessary documents.
Moving Home Mortgages in Widnes
Moving homes can be a stressful process, but with the help of an independent mortgage broker in Widnes, it can be seamless. We offer:
- A review of your existing mortgage
- Recommendations on porting your mortgage or finding a new deal
- Assistance with all the paperwork involved in the transition
Buy to Let Mortgage Widnes
Investing in a buy-to-let property in Widnes? Your financial mortgage adviser in Widnes will:
- Provide a comparison of the best buy-to-let mortgages available
- Help in understanding tax implications
- Discuss property management responsibilities
Remortgaging in Widnes
Remortgaging can save you money or help you borrow additional funds. The process includes:
- Evaluating current mortgage deals versus your existing one
- Calculating potential savings or additional borrowing
- Finalising the remortgage with minimal disruption
Self Employed Mortgages Widnes
Self-employed individuals may find getting a mortgage challenging due to fluctuating incomes. An independent mortgage advisor in Widnes provides:
- Expert advice on proof of income requirements
- Information on lenders who specialise in self-employed mortgages
- Guidance on the application process tailored to your unique situation
Mortgage Options for Over 50s in Widnes
Older borrowers have specific needs, and independent mortgage brokers in Widnes offer products such as:
- Retirement interest-only mortgages
- Equity release schemes
- Standard mortgages with age considerations
Get a Great Deal on Your Mortgage in Widnes
Finding the right mortgage involves understanding all available options and comparing them to find the best fit. A professional mortgage advisor will assist you in this process, ensuring you get the best possible deal tailored to your personal circumstances.
8 Webster Ct, Westbrook Warrington, WA5 8WD
Monday
9:00 am – 5:30 pm
Tuesday
9:00 am – 5:30 pm
Wednesday
9:00 am – 5:30 pm
Thursday
9:00 am – 5:30 pm
Friday
9:00 am – 3:00 pm
Saturday
CLOSED
Sunday
CLOSED
Meet Our Team
Stages of Mortgage Loan Processing
Book Online
Schedule an initial free mortgage consultation online with your mortgage advisor in Widnes.
Free Mortgage Appointment
Take advantage of a free mortgage consultation with one of our experts in Widnes. This no-obligation appointment is an excellent opportunity to discuss your needs and explore your options.
Finding a Suitable Product
Your advisor will search thousands of products to find the one that best suits your situation.
Submit Your Application
Once you have chosen the best mortgage, we will help you with the application process. Our team in Widnes will support you in preparing all necessary documents and submit your application to the lender.
FAQ
01/ What documents will I need for my application in Widnes?
Typically, you’ll need:
- Proof of income (payslips, tax returns)
- Proof of identity and residency
- Credit history report
02/ How long does the process in Widnes take?
From application to approval, the process can take anywhere from a few weeks to a few months, depending on your circumstances and the lender’s requirements.
03/How much deposit do I need for a mortgage in Widnes?
The required deposit can vary widely, but generally, you will need at least 5-20% of the property’s purchase price. Higher deposits can often secure better mortgage rates.
04/ Can I get a second mortgage in Widnes?
Yes, second mortgages are possible but depend on your existing home equity and financial status.
05/ How does the mortgage process in Widnes actually work?
- Consultation: Understand your financial situation and needs.
- Product Search: Find the right mortgage product.
- Application: Submit all required documents and apply.
06/ How does our free mortgage consultation in Widnes work?
It’s an opportunity to discuss your needs with no obligation to proceed, providing a tailored advice session to start your mortgage journey right.
We Search 1000s of Mortgages in Widnes
Let us help you navigate the complex mortgage landscape to find the perfect deal for you, whether you’re buying a home, remortgaging, or investing in property.
Contact Us
Legal
Ascot Mortgages authorised and regulated by the Financial Conduct Authority and can be found on the FCA register (www.fca.org.uk) under reference 776062. The FCA do not regulate some forms of mortgages. The guidance and advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate it will be £599 per mortgage account. Ascot Mortgages Ltd give you the option to pay a non-refundable fee of £1299 payable with the application. If this option is taken, Ascot Mortgages Ltd will refund any procuration fee received by the lender.
Ascot Mortgages Limited is registered in England and Wales and have their registered office at 8 Webster Court, Westbrook, Warrington, WA5 8WD. The company’s registration number is 06764971.
We are a credit broker, not a lender. We work with the whole of the lending market. We may receive commissions that will vary depending on the lender, product, or other permissible factors. The nature any commissions model will be confirmed to you before you proceed.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT
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