A mortgage is one of the largest single transactions in most people’s lives. Getting the best deal could save you thousands.
The mortgage market is complex and finding the right deal can be difficult. At Parlett Financial we are dedicated to helping you find the best mortgage deal for your specific circumstances and needs.
Whether you are a first-time buyer, moving home, looking for a buy to let mortgage, or staying put and remortgaging because your current deal has come to an end, there’s a vast range of mortgages to navigate from hundreds of lenders.
Even if you’re an experienced mortgage switcher, the mortgage market is a constantly changing landscape with much to consider above and beyond the headline interest rate.
Our bespoke mortgage guidance is provided by an independent consultant with many years of experience in the industry, holding the most advanced qualification of mortgage advice and practice (DipMap).
The best part is that our bespoke independent and professional advisory service is free of charge for a standard mortgage/remortgage.
We’re a whole of market mortgage broker covering the whole of the UK which means we’re not tied to any lenders; we research products from across the entire market to identify the best deal for you. Your dedicated mortgage adviser will learn about your situation and explain your mortgage options before making a product recommendation.
We can even access exclusive mortgage deals that may not be available on the high street.
Once you’re happy with your recommendation, we’ll process your mortgage application and deal with everything so that you don’t have to.
Unlike many other UK mortgage brokers, finding and arranging the best mortgage for your circumstances isn’t all we do. We can help you through your entire property-buying journey. We can find you a conveyancer and arrange appropriate personal and property insurance cover.
“You’ll pay no more applying through us than you would going directly to the lender on the same deal.”
The benefits of using our mortgage advisory service
Of course, providing independent mortgage advice is a big part of our role. But that’s not all. Let’s take a closer look at the benefits of working with our mortgage adviser:
- It beats going it alone: You save the time and hard work you would have put in sifting through mortgages yourself. Plus, we have the expertise to find you the best mortgage for your circumstances – the right size loan, on attractive terms, with the best interest rates – meaning you can save money.
- Improve your chances of having your application approved: Lenders have specific criteria that you’ll need to fulfil before they grant your mortgage. Once your circumstances and requirements have been considered we can improve your chances of a successful application by recommending a lender who’s likely to accept you. This is especially helpful if, for example, you only have a small deposit, you haven’t been in your job long, or you’ve had credit issues in the past.
- No paperwork for you to complete: Your adviser will complete all of the appropriate paperwork for your mortgage application and make sure all of the supporting documentation is submitted to the lender. This makes for less stress and usually a speedier application process.
- Help you fully understand your mortgage: Your adviser will talk you through the ins and outs of the mortgage they recommend to you so you’re clear about all the costs and conditions involved. They will provide you with a “mortgage illustration document”, which breaks down the key details of the mortgage. A suitability report will also be sent to you summarising your circumstances and requirements along with details of the mortgage recommended and the suitability of the advice given.
- Someone to fight your corner: Your adviser will liaise with the lender on your behalf (and give them a nudge if the application seems to be taking too long). They may also be able to find solutions to issues that may occur, and appeal decline decisions for you.
As a mortgage is secured against property, it could be repossessed if you do not keep up the mortgage repayments.