Independent Mortgage Adviser in Warrington
If you’re looking for expert mortgage advice, Ascot Mortgages is here to help. We offer clear, personalised guidance and access to a wide range of mortgage options. Book your free, no-obligation consultation today.
Who we are
At Ascot Mortgages, we’re proud to be a trusted, family-run mortgage adviser based in Warrington. With over 17 years of industry experience, we offer tailored mortgage and protection solutions to clients across the North West and throughout the UK. Our strong local knowledge and national reach mean we can support you whether you’re buying a home, investing in buy-to-let, purchasing a commercial property or exploring more complex finance options.
Whatever your goals, we’re here to help you make confident, informed decisions. Get in touch with us today to find out more.
Why choose us
- Over 17 years of industry experience – We’ve been helping clients navigate the mortgage market for nearly two decades. Our detailed understanding of lenders, rates and financial products allows us to offer informed, helpful advice for the current market.
- Independent and family-run – As a family business, we value long-term relationships and personal service. This means you’ll deal with advisers who genuinely care about your outcome and will support you every step of the way.
- Tailored, whole-of-market advice – Not tied to any particular lender, Ascot Mortgages provides independent advice, searching the entire market to find mortgage solutions that best fit individual client needs and ensure they get the best deal possible.
- In-depth local and national knowledge – Based in Warrington, not only do we know the North West property market inside out, our services extend nationwide. Whether you’re moving locally or investing further afield, we have the insight to help.
- Free, no-obligation consultation – We offer free initial consultations, providing clients with expert advice without any pressure to commit, ensuring they can make informed decisions about their financial future.
- Client satisfaction – We have built a reputation for delivering exceptional service and results, with 83% of our business coming from repeat clients and referrals from satisfied customers.
What Our Clients Say About Us
Your Mortgage Options in Warrington
Here at Ascot Mortgages, we have a variety of mortgage options available suited to every client’s needs, whether residential or commercial.
First Time Buyer Mortgages in Warrington
Starting your journey onto the property ladder? As the leading independent mortgage adviser in Warrington, we offer personalised advice on the different types of first-time buyer mortgages, from fixed-rate to tracker to SVR. Whether you’re looking for the best deals, need help with your mortgage application or are seeking clarity on the current Government schemes for first-time buyers, our mortgage brokers in Warrington are here to assist you.
Moving Home Mortgages in Warrington
When it’s time to move house, handling your mortgage correctly is crucial. At Ascot Mortgages, we aim to make the transition smooth and straightforward as possible. Our advisors specialise in finding mortgage solutions that match your new needs without overwhelming you with jargon or unnecessary complexity, giving you peace of mind as you prepare to move.
Mortgage Affordability Calculator
Use this calculator to determine how much you could potentially borrow for a mortgage, based on the typical salary multiples used by most UK lenders.
Get expert advice immediately if...
- You need to borrow more than 4.5 times your annual income
- You are applying using a single income
- Your income includes Benefits, Commission or Rental payments
- You consider yourself to be on ‘low’ income
If any of the above apply to you, it’s a good idea to speak to a mortgage expert before submitting an application. The right adviser can help you navigate the process and improve your chances of approval based on your individual circumstances.
Buy to Let Mortgage Warrington
Investing in property in Warrington? Ascot Mortgages delivers expert advice for buy-to-let investors. Whether you’re purchasing your first rental property or expanding your portfolio, our knowledgeable mortgage advisors can find the best rates and most suitable products for your ambitions. You can trust us to help you maximise your investment potential.
Remortgaging in Warrington
Whether it’s to save money, consolidate debts, or raise funds for renovations, Ascot Mortgages provides bespoke remortgage advice. Our experienced financial mortgage advisers in Warrington will review your current mortgage and compare it against newer options and different interest rates to ensure you’re on the best possible deal.
Self Employed Mortgages Warrington
Applying for a mortgage as someone who is self-employed can look slightly different to someone in traditional employment. Our specialist advisers at Ascot Mortgages understand the self-employed mortgage process inside out and can use their in-depth market knowledge to find competitive deals that consider all forms of income.
Mortgage Options for Over 50s in Warrington
Later in life, mortgage needs can change significantly. Ascot Mortgages offers dedicated advice for over 50s, ensuring you find a mortgage solution that fits your retirement plans. Whether you’re downsizing, unlocking equity in your home or interested in a retirement interest-only mortgage, we’re here to provide expert guidance.
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
Here at Ascot Mortgages, we can provide guidance every step of the way, making the process of getting a mortgage as smooth as possible. The process involves 4 simple stages:
1. Book Online
Begin your mortgage process with ease by booking an online consultation with one of our top mortgage advisers at a time that suits you. Simply fill in the online form with your name, contact information and what you need advice with. We’ll get back to you with a confirmed appointment.
2. Free Mortgage Appointment
At this initial meeting, our advisers will ask some questions about your financial situation and the property you’re hoping to buy or remortgage. It is the perfect opportunity to ask any questions about the mortgage process. Our advisers are committed to making you feel at ease with no pressure to proceed.
3. Finding a Suitable Product
Our mortgage broker in Warrington will search thousands of mortgage products to find the one that fits your specific needs. We consider all aspects of your financial situation to ensure the recommendation we make is the best possible match.
4. Submit Your Application
Once you’re happy with the product selected, we’ll help you with the entire application process, from submitting the initial paperwork to liaising with lenders on your behalf. Our team ensures everything is processed efficiently and effectively.
FAQs
01/ What documents will I need for my mortgage application in Warrington?
You’ll need to provide identification, proof of income, bank statements, and any other documents that your lender requires. Our team will advise you on the specific documents needed during your initial consultation.
02/ How long does the mortgage process in Warrington take?
The duration can vary based on several factors, including the type of mortgage, the efficiency of the lender, and your personal financial circumstances. Typically, it can take anywhere from a few weeks to a couple of months.
03/ How much deposit do I need for a mortgage in Warrington?
The minimum deposit generally starts at around 5% but can vary greatly depending on the type of mortgage and your financial situation. Our advisers will help you understand exactly how much you’ll need to secure your mortgage.
04/ Can I get a second mortgage in Warrington?
Yes, second mortgages are possible, and they can be arranged for a variety of purposes, including debt consolidation or home improvements. We’ll guide you through the options available to ensure you make the best decision.
05/ How does the mortgage process in Warrington actually work?
From your initial consultation to the final approval, our team supports you at every step. We assess your financial situation, search the market to find a suitable mortgage for you, and handle the application and communication with the lender for you.
06/ How does our free mortgage consultation in Warrington work?
During this initial consultation, we’ll discuss your needs, answer any questions you have, and outline the possible paths forward. This session is designed to provide clarity and help you make informed decisions about your mortgage.
We Search 1000s of Mortgages in Warrington
Choose Ascot Mortgages for a comprehensive, customer-first approach to finding your ideal mortgage. With access to thousands of products and a commitment to tailored advice, our independent mortgage brokers in Warrington are your best choice for finding a mortgage that suits your needs. Book your consultation today.
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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. Typically; we will receive commission 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.
ICO Registration number is Z1842187
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON ITtypically; we will receive commission
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