Mathew Brown - Mortgage Advisor

Mathew Brown - Mortgage Advisor My job is to take the stress out of your mortgage and to get on the best deal from over 90 lenders

First time buyer? There are several reasons as a first-time buyer to use a mortgage advisor. Expertise. As an experience...
06/11/2024

First time buyer?

There are several reasons as a first-time buyer to use a mortgage advisor.

Expertise. As an experienced professional who specialises in mortgages with an extensive knowledge or the mortgage market, including the different types of mortgages, interest rates and lending criteria. I’m here to guide you through the entire mortgage process, explain complex terms and help you to understand the implications of all the options available to you.

Time and effort. Searching for the right mortgage product tailored to your circumstances can be time consuming, especially for first time buyers who may not know the mortgage process. Instead of approaching each lender one by one yourself and having the same conversation repeatedly. Have the conversation once and let me do the legwork for you by researching and comparing the lenders and the mortgage products they offer, then helping to get the paperwork completed done accurately and on time.

Special deals and rates. In addition to having access to a wide range of lenders I also have access to exclusive deals and rates that may not be available to the public. So, as I look on your behalf to secure competitive rates and terms tailored to you, this could potentially save you money over the life of your mortgage.

Complex cases. Specific circumstances can vary from person to person, so if you have a unique financial situation, such as self-employed, bad credit, maybe you have high debt compared to income, different circumstances may make getting a mortgage more challenging. As an experienced advisor I can help navigate the lenders criteria and try and match the mortgage product to fit you.

Being a property investor can be daunting and exciting, but it all starts with the right Buy-to-let mortgage.Buy-to-let ...
05/11/2024

Being a property investor can be daunting and exciting, but it all starts with the right Buy-to-let mortgage.
Buy-to-let mortgages are loans specifically for those who want to invest in property to rent out. Unlike regular mortgages, the lender considers rental income more than the borrower’s income and often require a larger deposit.
It is important to understand the extra responsibilities and risks of being a landlord. So, it is important to talk to a mortgage advisor to find the right mortgage product for you.

Are you considering buying a new property or moving to a new deal on your current home?Talking to an experienced mortgag...
04/11/2024

Are you considering buying a new property or moving to a new deal on your current home?
Talking to an experienced mortgage advisor to find the most suitable solution to your mortgage needs will make sure you make the right financial decisions for your future. Finding the right deal for your circumstances is important and you always want to make sure you’re on the right mortgage for you whether you are a first-time buyer or you are coming up to the end of your current deal.

What is an early repayment charge or ERC?This is a fee that lenders impose when borrowers decide to pay off their mortga...
03/11/2024

What is an early repayment charge or ERC?
This is a fee that lenders impose when borrowers decide to pay off their mortgage earlier than the agreed upon term. Paying off your mortgage is great as it reduces how much interest you pay so lenders cover the potential loss by having an ERC, so it is important to understand your mortgages terms and conditions to understand when and how an ERC applies to you.
ERCs can vary widely between mortgage products so it’s essential to compare offers thoroughly.
Many mortgages have a window called the “tie in period” during which ERCs apply, when this period ends borrowers can usually make extra payments without incurring any charges.
Most mortgages have a “partial repayment allowance” allowing borrowers to make extra payments up to a certain limit each year without triggering the ERC.

Is your fixed rate ending soon?Sometimes it can be overwhelming especially seeing rates in the news. Take some of the wo...
02/11/2024

Is your fixed rate ending soon?
Sometimes it can be overwhelming especially seeing rates in the news. Take some of the worry out of it all by speaking to an expert in mortgages and let me guide you through the rates and prices and we can see what the right decision for your situation is!

Deciding between a fixed rate or a variable rate mortgage can be tough and confusing so let’s break it down!Fixed rates ...
01/11/2024

Deciding between a fixed rate or a variable rate mortgage can be tough and confusing so let’s break it down!
Fixed rates are for stability and assurance. Your interest rate stays the same for a set period typically 2-5 years regardless of what happens to the market. This can give you peace of mind knowing exactly how much you will pay for the duration.
Variable rates can fluctuate over time, usually it is linked to Bank of England base rate or the lenders standard variable rate. This can lead to savings if the rates decrease but it also means it could cost you more if they go up.
In the end it comes down to what is right for your situation, your risk tolerance and your preference for stability or potential savings. Speak to a mortgage advisor to find the right fit and to guide you through the process.

The easy answer is false! The maximum number of borrowers allowed on a single mortgage deed is usually three or four. Ho...
31/10/2024

The easy answer is false! The maximum number of borrowers allowed on a single mortgage deed is usually three or four. However, it is important to note that many lenders will not accept more than two applicants and of those that do, some will only do so if they are members of the same family.
So going to a mortgage advisor will help you to make sure your specific circumstances are matched to the mortgage product and the lender to fit you.

Is your fixed rate ending soon?Sometimes it can be overwhelming especially seeing rates in the news. Take some of the wo...
30/10/2024

Is your fixed rate ending soon?
Sometimes it can be overwhelming especially seeing rates in the news. Take some of the worry out of it all by speaking to an expert in mortgages and let me guide you through the rates and prices and we can see what the right decision for your situation is!

When you are company director getting a mortgage, you might be looked at differently by lenders.Most lenders will treat ...
29/10/2024

When you are company director getting a mortgage, you might be looked at differently by lenders.
Most lenders will treat any company director who has a 25% stake or more as self-employed, some lenders may be less!
This means your income for affordability might the salary plus dividends, or salary plus net profit.
It is important to make sure you have the right mortgage product for you!

Is your fixed rate ending soon?Sometimes it can be overwhelming especially seeing rates in the news. Take some of the wo...
28/10/2024

Is your fixed rate ending soon?
Sometimes it can be overwhelming especially seeing rates in the news. Take some of the worry out of it all by speaking to an expert in mortgages and let me guide you through the rates and prices and we can see what the right decision for your situation is!

Looking for mortgage advice?There are many reasons to use a mortgage advisor.Expertise. As an experienced professional w...
27/10/2024

Looking for mortgage advice?
There are many reasons to use a mortgage advisor.
Expertise. As an experienced professional who specialises in mortgages with an extensive knowledge or the mortgage market, including the different types of mortgages, interest rates and lending criteria. I’m here to guide you through the entire mortgage process, explain complex terms and help you to understand the implications of all the options available to you.
Time and effort. Searching for the right mortgage product tailored to your circumstances can be time consuming, especially for first time buyers who may not know the mortgage process. Instead of approaching each lender one by one yourself and having the same conversation repeatedly. Have the conversation once and let me do the legwork for you by researching and comparing the lenders and the mortgage products they offer, then helping to get the paperwork completed done accurately and on time.
Special deals and rates. In addition to having access to a wide range of lenders I also have access to exclusive deals and rates that may not be available to the public. So, as I look on your behalf to secure competitive rates and terms tailored to you, this could potentially save you money over the life of your mortgage.
Complex cases. Specific circumstances can vary from person to person, so if you have a unique financial situation, such as self-employed, bad credit, maybe you have high debt compared to income, different circumstances may make getting a mortgage more challenging. As an experienced advisor I can help navigate the lenders criteria and try and match the mortgage product to fit you.

Another easy answer, false!One of the things as a mortgage advisor we will look at it is finding the right lender and pr...
26/10/2024

Another easy answer, false!
One of the things as a mortgage advisor we will look at it is finding the right lender and product to fit your unique circumstances.
One step of this is finding out about affordability for you, whether you are interest in the overall cost of the mortgage or how much you pay a month. The term of the mortgage can change depending on your situation so that could be any number of years, 25 is usually used as a guide to start off with then it is tailored to fit the individual.

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Woking
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