B&D Mortgage Broker or Going Direct to a Lender

We could save you a considerable amount! If you approach a lender directly, you could be isolating yourself from the rest of the market, and there may be better suited mortgages for your needs. Lenders and Mortgage products may have different affordability and other criteria. If you approach the wrong lender and get declined, this can make it very hard to be approved in the future. With our whole of market access, and in-depth mortgage and protection knowledge, we could help you make the right decision and possibly save you a considerable amount.

We are Whole of Market Mortgage Brokers

Mortgage brokers come in different shapes and sizes.There are three primary types of advisers in the market, some only provide a limited set of deals, some are tied to specific lending institutions. As whole-of-market brokers, we have access to thousands of mortgage deals from different lenders. For instance lots of estate agent mortgage brokers will refer their clients to one of a handful of lending institutions. These kinds of mortgage brokers are limited with their offerings. Our difference is we are Whole of Market mortgage advisers and have access to the very best rates in the entire mortgage loan market. We can source the most appropriate mortgage product and deals from the whole market for you and offer you mortgage products from a variety of lenders which is representative of what is readily available from the entire mortgage market.

We are Independent

Working with an independent broker means gaining access to impartial information, which is not always available straight from a bank or lender. Lenders will offer their own mortgage products! We will search for the best mortgage from the entire market for you. Talking to us is like talking to 100+ lenders at the same time.

We have Access to Broker-Only Mortgage Deals

We could provide access to Broker-only mortgage deals which you won’t find on the High Street, especially from the lenders that do not work straight with the general public.

We are Also Protection Advisers

We are not just mortgage advisers, we are also protection advisers, which means we could recommend and negotiate many of the protection products for you. We don’t just help you to get your property, we also help you to keep a roof over your head by helping you with finding the right insurance deals for Life, Critical illness and Income Protection.

It’s worth having a conversation to find out where you stand in terms of your mortgage needs. A simple talk with a B&D mortgage adviser can help you right from the start. We will explain what the steps are, what research we will be doing and help you budget when saving for your deposit and we will find you a mortgage and submit your application. The sooner you speak to us the sooner we will establish how we could help you with your mortgage.

We could Recommend Solicitors

As a Mortgage broker we constantly work with solicitors, we could get you a free, no obligation quote from solicitors. The solicitors we recommend have the experience and expertise to make your property transaction as fast and as stress free as possible. In my experience keeping the mortgage and legal process under one roof makes things much smoother.

We will Do All the Hard Work for You

Once we find the mortgage which meets your needs a B&D mortgage adviser will sort out the whole application for you which will save you time dealing with the paperwork. We will handle a lot of the dealing between the solicitor,the agent and the lender. You can take a back seat and just provide us the information and leave all the hard work to us. We will communicate between you and the lender, the lender and the estate agent, the solicitor and the agent. We can help push the whole process and to make things smoother. Our service could give you the peace of mind you need with your purchase. We will become the hub for your purchase process to make the entire process a much smoother experience for you. We will keep you informed every step of the way and we are on hand if you have any questions no matter how silly you may think those questions.

Keep in mind that each unsuccessful application may damage your chances of success next time around, because each decline will appear on your credit report. Using a B&D mortgage broker may increase your chances of being accepted on your first application.

Arranging a mortgage is likely to be stressful. Having a B&D Mortgage Adviser secure the right product for you and deal with any worries and problems you may experience with your mortgage process can be very helpful.

Finally, we know you are working hard and are busy during the day. We will fit around your diary, we will deal with everything over the phone and email so our service is not restricted to office hours.