A mortgage is a significant financial undertaking. For most of us a mortgage is the biggest financial undertaking we take out in our lifetimes and it’s not always clear where to look for the best product. Gone are the days walking straight into your bank to see what product they are offering, especially as this can mean missing out on the right mortgage for your circumstances by restricting yourself to one lender.
Ultimately, it’s our job as brokers to find you the right mortgage for your specific needs. Every client is different so what will we do for you!
- A mortgage broker can save you money. We aim to make sure you never need to pay more in interest or lender fee’s than you have too.
- A mortgage broker can save you time. Our specialist systems enable us to only apply for mortgage products suitable for your needs, budget, and financial circumstances. Even with this, lenders may still reject your application so to save you the time and stress, we are here to simply move onto the next one.
- A mortgage broker can access Exclusive Deals. Not all deals that we have access to are available on the high street or direct with a lender.
- Mortgage Protection. Once you have your home it’s vital, if the worst were to happen, you keep the keys to your home and don’t need to worry. Breakthrough Mortgage and Financial Services can help explain and put into place numerus types of insurance such as life, critical illness cover & income protection
A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
So, what will we do?
ASSESS YOUR REQUIRMENTS WITH A SIMPLE CHAT. We will start by arranging one of our expert mortgage advisors to assess your requirements. This includes working through your current financial situation and taking the time needed to understand personal circumstances, wants, needs and aspirations. We know your time is important so don’t want to take too long but a mortgage is a huge financial decision, and we want to make sure we spent enough time with you to ensure we understand your needs and can give the right recommendation.
MAKE RECOMMENDATIONS. Once we have assessed your situation we can go away and search the whole market to find a product that puts your needs first. Breakthrough Mortgages and Financial Services work with over 70 different lenders so you’re not restricted to one particular bank or building society. We also have access to products not available direct to the general public. Having all this flexibility means you will have more choice for your specific needs.
DEAL WITH THE APPLICATION. Once we have identified the best possible product for your needs, we manage the whole application process. This means you wont need to spend hours filling our paperwork with lots of different lenders. We ensure you have regular updates, keeping you informed of your mortgage progress all the way upto mortgage offer.