mortgages made easy brochure

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Page 1: Mortgages Made Easy Brochure

FORSALE

The easy way to a better mortgage

Page 2: Mortgages Made Easy Brochure

FORSALE

Take the time, stress and hassle worry out of finding your perfect mortgage with expert, cost-effective support from Mortgages Made Easy.

As independent, whole of market mortgage brokers serving customers nationwide, we have access to all the best deals from a full range of banks, building societies and specialist lenders from across the UK.

Working hard to understand your individual situation, budget and requirements, we’ll help you make the right decisions and find the best deal possible on a mortgage that suits your needs exactly.

Take your first step to a new home by arranging an appointment to see one of our friendly, professional mortgage advisers today by calling 01787 226130.

Buying a property is the largest purchases you will ever make and taking out a mortgage is a long-term commitment. With so many different products available, it can be difficult to know which option provides the best value and the right way forward. That is why we will outline all products and options. Explain everything in clear, easy to understand terms, and provide you with honest, tailored advice based on your individual circumstances.

With expert support from Mortgages Made Easy, a friendly member of our expert team will be there to support you throughout the process.

When purchasing any property, it’s important that you take into account the additional costs associated with moving home. These include:

• Legalfees– Mortgages Made Easy can arrange for a competitive quote from a recommended solicitor

• Stampduty– payable to the government on the purchase of most properties

• Valuationandsurveyfees– Mortgages Made Easy can arrange any necessary inspections for you.

• Homeinsurance– Mortgages Made Easy can arrange for a competitive personalised quote. For Buildings and Contents Insurance we offer products from a selected panel of providers.

• Lifeinsurance– Mortgages Made Easy can provide a personalised quote and advice on policies designed to protect your home in the event of your injury or death. For Protection Insurance, we offer products from a selected panel of providers.

Your property may be repossessed if you do not keep up repayments on your mortgage.

We charge a fee for researching the market and selecting a mortgage that best suits your needs, typically £150, but the precise amount will depend on your circumstances and is payable on application. We will also receive commission from the lender.

Very happy with service provided also found us a great deal on life insurance again saving us money. So impressed passed on details to a work colleague to contact for advice.

“”

The Easy Way to a Better Mortgage Making the right decisions

The cost of moving

MrandMrsC

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Page 3: Mortgages Made Easy Brochure

With efficient, stress-free support from Mortgages Made Easy, you’ll benefit from:

• A comprehensive, truly personal end-to-end service, that largercorporate brokers simply don’t offer, designed to save you time, worry and money.

• Accesstoacomprehensiverangeofthebestmortgagedealsfromacross the whole market

• Friendlysupport fromanexperienced, fully-qualified, independentmortgage advisor who will work hard to understand your individual situation, budget and requirements

• Honest,impartialandeasytounderstandadviceonallthedifferentoptions that are available to you

Why choose to Mortgages Made Easy

Whilst arranging a mortgage can seem like a daunting process, it needn’t be – with expert, personal support from Mortgages Made Easy:

Step1–CallMortgagesMadeEasy

Call our team on 01787 226130, or email [email protected] – we’ll arrange for you to discuss everything in detail with a dedicated mortgage adviser at a time to suit you.

Step2–Findingouthowmuchyoucanborrow

We will work out how much you can afford to borrow, so you know what you can afford to spend on your next home.

To work this out, you’ll need to provide us with documentation about your earnings, lifestyle and outgoings – we’ll let you know exactly what we need before the discussion.

Step3-Gettinganagreementinprinciple

At this stage, your adviser will start to browse the whole of the market to find the best deals available for you. Guiding you through the costs, benefits and downsides of different mortgage types, and all the options available to you.

Once we’ve found a product that’s right for you, you’ll receive an agreement in principle – a provisional acceptance from a lender that will give you a good idea of how much you have to spend.

Step4–Findingyourhome!

This one’s down to you - armed with your agreement in principle and realistic budget, you’re now ready to go out and find your perfect home! Once you’ve found it, and had an offer accepted, come back and see us.

The path to the door of your new home

Gittings made this a very easy transaction for us. I would highly recommend him to anyone and would use this service again.MrB

“ ”

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Page 4: Mortgages Made Easy Brochure

Step5–Themortgageapplication

Mortgages Made Easy will re-examine the market, and provide you with a document outlining the most suitable product to meet your individual requirements. Once you’re happy to go ahead, your dedicated mortgage adviser will complete the application paperwork on your behalf. At this stage you will need to pay any arrangement and survey fees.

Step6–Thelegalprocess

Now it’s time to appoint a solicitor to handle the legal side of your transaction, making the right choice can take weeks off the buying process. Mortgages Made Easy can arrange for one of our recommended solicitors to act on your behalf.

Once appointed, your solicitor will carry out all the checks needed to pave the way for your purchase. Your lender will want to arrange for a valuation or survey. Once this has been conducted satisfactorily, they will provide you with a firm mortgage offer.

You may also want to have your own survey done at this point, to ensure there are no costly surprises! There are several kinds of survey options available, we will be able to advise which is the best option for you and will be able to arrange on your behalf.

Step7–Exchangeofcontractsandlegalcompletion

Once your survey results are back, you’re happy with the property and your mortgage offer, you can look to pay your deposit and exchange contracts. After this point, you are fully committed.

From here on in you’ll need buildings insurance, which Mortgages Made Easy can arrange for you.

The final stage of the process is legal completion, when your solicitor transfers the funds to the seller and you can collect the keys to your new home!

Alternatively, find out more about getting the right mortgage the easy way, by visiting www.mortgages-madeeasy.co.uk

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Page 5: Mortgages Made Easy Brochure

The Fairways Earls Colne Business Park Earls Colne Essex CO6 2NS

Tel:01787221075Tel:01787226130

www.mortgages-madeeasy.co.uk