Mortgage advisors in Bolton
Getting the best mortgage deal can be tricky and it’s sometimes difficult to figure out which way to go. There are so many options that you can easily end up dealing with a mortgage advisor that you don’t know or trust.
First things first, you should expect to see some background about any mortgage company to understand who they are.
A local, experienced mortgage adviser can be useful to help you with local knowledge and understand your market better. A Bolton mortgage broker will know about the town and should also know the local agencies which is especially useful when buying a property.
About essential MORTGAGES
We’re a team of mortgage advisors in the Bolton area with lots of local knowledge and many years of experience.
Our team of highly skilled and extremely knowledgeable independent mortgage advisors in the Bolton area has helped thousands of mortgage borrowers. Whether you’re a first time buyer, looking to buy-to-let, or something else entirely, our free mortgage advice is tailored to you. We’re also extremely proud to have a Feefo 5.0 Star customer rating for mortgages and life insurance.
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We have a fantastic panel of mortgage lenders to make sure that you get the widest choice of competitive mortgage rates possible. Our lenders offer a great range of mortgages to suit all circumstances and help you to compare the best deals.
Our lenders includes:
- Accord Mortgages
- BM Solutions
- Chorley Building Society
- Clydesdale Bank
- And many more…
We’ll search for the best mortgage solutions from our wide range of competitive mortgage deals to make sure that you get the best rate.
Why choose a mortgage broker in Bolton?
It’s important with any mortgage to make sure that you get the very best advice from someone you can trust.
Our local team of experts has decades of experience and expertise to ensure that your mortgage is right for you. Most importantly, someone that knows your area inside out means that we know exactly how things can affect your mortgage.
Some of the reasons to speak to our Bolton mortgage advisors:
- Understand local property market
- Experience dealing with local agents
- Knowledge about local solicitors
- Surveyors and valuations experience
There are a number of reasons why your new mortgage or re-mortgage might struggle and we can help to make sure that does not happen.
Cheapest mortgage deals in Bolton
It’s not always as simple as just choosing the cheapest deal or the lowest rate when you choose your mortgage lender.
There are several key elements that goes in to getting the best mortgage deal and especially in a difficult market. Someone that understands local mortgage lending will understand the potential pitfalls and help to avoid any problems.
Our mission is to help you to find the cheapest mortgage deals and get your mortgage sorted as quickly as possible.
We work with the best local mortgage lenders to make sure that your mortgage goes through quickly and easily. Some of the large lenders don’t always understand your local area and can cause problems if they don’t want to lend to people within a certain postcode.
Lowest Bolton remortgage rates
There are many reasons why you might want to remortgage your property, so it’s good to know that you’re dealing with an expert.
Some of the most common reasons for remortgaging your home are:
- Better rate (reduce your monthly payments)
- Fix your mortgage rate
- Home improvements
- Debt consolidation
- Capital raise (e.g. buy a car)
You can literally save thousands of £s by switching your mortgage to a better deal when your special rate has ended. It’s also important to regularly review your mortgage to make sure that it is right for you.
To learn more about remortgages CLICK HERE.
Best mortgages for buying a home in Bolton
Buying a new home in Bolton or anywhere in the UK can be extremely stressful and especially if you don’t know the area.
Getting the best mortgage deal when you’re buying or moving home depends on many different elements, including:
- Credit rating
- Credit profile
- Deposit amount (LTV)
It’s also very important to make sure that you don’t waste your time applying to several different lenders, which can also affect your credit score.
We’ll help you to find the best deal but also a mortgage that won’t cause you problems when buying your new home. It’s important to make sure that your mortgage lender doesn’t cause unnecessary problems with your property purchase.
To find out more about getting a great deal on your mortgage CLICK HERE.
Buy to Let mortgages in Bolton
There is also a vibrant and booming rental property market in and around the Bolton area. You might be a new landlord buying your first investment property in Bolton, or you could be a portfolio landlord with several properties.
There are lots of important points to consider when buying or remortgaging and Buy to Let property, especially with the new Tax rules.
Our team of buy to let and property investment experts can help to advise you on which deals are best for you and any potential risks. You can save thousands of £s on your mortgage payments by speaking to a Buy to Let expert.
For more information about buy to let mortgages CLICK HERE.
Protecting your mortgage
We’re also experts in getting the best possible cover to protect your home and your family. It’s extremely important to make sure that your mortgage and your family is properly protected should anything happen in the future.
Best options for protecting your mortgage:
- Mortgage life insurance (Decreasing term)
- Family life insurance (Level term)
- Critical illness cover
- Income protection
- Mortgage payment protection
- Buildings & contents
Our team of protection experts will also help you to make the best decisions to protect the most important things in life, and SAVE you money.