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Independent Mortgage Advice

Your Mortgage Options is a completely independent mortgage advice service so the advice you are given is impartial and unbiased.

When buying a home, you need to decide which type of mortgage is the most appropriate for your needs and circumstances. From the information you give us, our experts will search the market and find the most suitable products for you. With so many options to explore it can feel overwhelming at first, which is where we come in to help.

Whether you are a first time buyer, self employed or if you have less than a perfect credit history, we’ll tailor our search to you. We can also offer guidance and advice if you are looking for bridging loan finance or to release equity from your home.

We are experts in mortgages of all kinds: Residential and Commercial, Self build and Flexible, Offset and Retirement Interest Only, the options seem almost endless. Speak to one of our experts who can help you explore all Your Mortgage Options.

Why Do You Need Mortgage Advice?

For most people, buying a property and obtaining a mortgage is one of the biggest decisions that they will ever have to make. It’s a decision that you certainly don’t want to risk getting wrong, which is why getting expert independent mortgage advice is the best route forwards. Previously, you might have you might have been able to speak to your bank manager about getting a mortgage, but this is less common nowadays.

People of all ages and financial positions can benefit from professional mortgage advice. Whether you’re a first-time buyer, a property developer, somebody looking to remortgage or to release equity from your property, you’ll want to ensure that you are getting the very best deal available. Many are surprised to learn that even if they have a poor credit history, it’s possible to obtain a mortgage with the right advice.

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Benefits Of Speaking To A Mortgage Advisor

Whole of Market Access

There are many different types of mortgages available, so only looking at deals from one lender means you’re unlikely to end up with the best option. Our mortgage advisors have access to the whole of the market, including products not available from high street lenders.

We Are On Your Side

We work for you not the lender and will act solely in your best interests. You can therefore be confident that the mortgage we recommend will be the best available product to suit your circumstances.

We Do The Hard Work For You

At Your Mortgage Options we leave no stone unturned in our whole of market research. We also handle the whole process end to end, including all the paperwork, solicitors and conveyancing.

We Consider Your Circumstances

We take the time to understand your individual circumstances. This helps us to find the right mortgage that works for you and your family. We will assess all that you can realistically afford and guide you through Your Mortgage Options.

Mortgage Advice FAQs

The amount you can borrow depends on your personal situation, your household income and current credit commitments. All lenders have different ways of calculating what someone can borrow.

You will need a minimum of 5% deposit. The more deposit you put in, the better the interest rate will be. E.g. If you have a 20% deposit then this will get you a better rate of interest than with a deposit of 10%

A Repayment Mortgage is guaranteed to pay off the mortgage in full by the end of the term whereas an Interest Only Mortgage has monthly payments which cover only the cost of the interest and your loan amount will remain the same.

At the end of the term you would either need to sell the property to repay the mortgage or find another way to repay the loan.

Involving a mortgage advisor earlier on in the application process gives us more opportunity to help you and reduces the stress and disappointment of not being able to secure a mortgage that suits your needs.

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