What are the benefits of using a mortgage advisor instead of your bank…?

Your bank will only be able to offer you their mortgage rates and none of their competitors’ lending rates.

In contrast, a mortgage advisor works with over one hundred banks, building societies and lenders with differing rates and lending criteria. Effectively, a mortgage advisor is like a comparison website for mortgages – they do all the leg work for you in terms of finding an appropriate available mortgage rate for your situation.

In addition, by using a Harris Begley mortgage advisor you’ll avoid the lengthy phone call to your bank’s call centre or several weeks wait for an appointment. We can usually see clients within 48 hours and supply a mortgage quote 24 hours later.

Plus, we have a dedicated administration team available 9am-5pm weekdays either by phone or email, so you can easily get in contact with the person managing your mortgage application throughout the application process.

Is it all about finding the lowest possible mortgage rate?

No, there’s a great deal to think about when choosing the right mortgage and unfortunately it’s not quite as simple as just opting for the cheapest rate.

Knowledge of the mortgage market is key, in terms of what rate, what term, what lender and what features and these are time-consuming and sometimes complex matters. A mortgage advisor takes your whole circumstances into account in order to recommend the ideal mortgage for you. 

I’ve been turned down by my bank, can you help?

Banks and building societies all have different lending criteria. Mortgage advisors work with these lenders on a day-to-day basis, so they know the background criteria of each lender…

For example, if you or your partner is self employed some lenders will require 3 years of trading history before they will acknowledge this income in respect of the amount they are prepared to loan. However, there are lenders who only require one year of trading accounts before they will take this income into consideration. It is this knowledge and experience of the lending market that can make all the difference in securing a mortgage for you. 

How does the mortgage process start?

We always offer a free, no obligation initial consultation. This face to face meeting usually takes place in one of our offices in Truro, Helston, Penzance or Plymouth. The first consultation is essential for us to understand your individual circumstances, which then enables us to find a mortgage solution for your needs.

How much does it cost?

We offer a free, no obligation initial consultation to discuss your mortgage requirements and we will source and supply a mortgage quote for you without charge. After your free of charge consultation, if you confirm that you are happy to proceed with the mortgage quote supplied, you will be subject to a mortgage arrangement fee of £495, which is payable at the mortgage application stage.

To book your free, initial consultation, please contact Harris Begley on Tel 01736 366550 or email enquiries@harrisbegley.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.