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Mortgage advisor Chester

There are thousands of mortgage deals to choose from and it’s sometimes difficult to know which is the best option for you. It can be far quicker and often cheaper to speak to a qualified mortgage expert, ideally with a good knowledge of your local area.

Chester has a thriving property market, and we have helped many buyers in this area secure the best possible mortgage for their needs. We have an extensive knowledge of properties and agencies in the Chester area, leaving us ideally placed to offer our expert advice

It can be very beneficial to speak to a broker who is familiar with the area you wish to buy in. These brokers will have a greater understanding of any potential factors in the local area that may influence the mortgage pricing and terms.

About Essential MORTGAGES

We are independent mortgage experts that has a detailed knowledge of the Chester area which means that we’re well placed to get your mortgage sorted.

We have years of experience in sorting every type of mortgage currently available for our customers. This includes buy to let mortgages, mortgages with credit issues, mortgages for first time buyers and many more.

We have over 20 year’s experience of helping pair borrowers with their best possible mortgage rates and lenders. We are dedicated to making sure every one of our customers finds the mortgage loan that is the perfect fit for their finances and budget.

Our lenders

With over 50 top UK lenders on our dedicated panel, we search through hundreds of deals to find the most ideal choice for each person. Lenders will all offer slightly different rates and mortgage terms so comparison can be key to securing the best price.

Our lenders include:

  • Accord Mortgages
  • Aviva
  • Barclays
  • BM Solutions
  • Chorley Building Society
  • Clydesdale Bank
  • Coventry
  • Halifax
  • HSBC
  • And many more…

Our experts will ensure they check every suitable lender for the right mortgage for you. We will never put you forward for a lender that we believe may be unsuitable or unwilling to loan to you. Your time is precious, and we want you to find your perfect mortgage quickly and hassle free.

Why choose a mortgage broker in Chester?

With a long term commitment like a mortgage, you want to make sure you are getting the correct advice. Finding the right mortgage broker can be the key to a smooth application process.

As specialists, we can answer all your mortgage questions with ease. Our awareness of any developments in the Chester property market ideally places us to help buyers in the area.

Some key reasons to speak to our Chester mortgage advisors are:

  • Experienced with local agents
  • Experience with surveyors and valuations
  • Solid understanding of the local property market
  • Vast knowledge of local solicitors

We know mortgage applications can at times feel difficult and confusing, especially if complicated with issues such as a poor credit history.

Under circumstances such as these, speaking to a mortgage specialist such as us can ease your worries. We will be there to support you through every step of the application process.

Cheapest mortgage deals in Chester

When getting a mortgage, various factors can influence the interest rates and the prices you will pay for your monthly repayments. You want to ensure that you are not sacrificing quality for the sake of cost. It is 100% possible to secure a great mortgage, with very affordable monthly repayments.

Expert mortgage advisers such as us, will be able to match buyers up with a mortgage that is a great fit for their needs and monthly budget. Our job is to make the application process as easy and hassle free as possible for borrowers.

With access to mortgages through a wide range of top lenders, we compare prices across the market to make sure you get the most competitive pricing possible.

We will look at large high street lenders and those closer to home. Occasionally it can be far more beneficial to opt for a local lender, due to their better understanding of the area you wish to buy in.

Lowest Chester remortgage rates

Remortgages can be extremely useful in certain situations. They are a great way to access funds by borrowing against the equity in a currently owned property.

Reasons for remortgaging a property include:

  • Switching to a longer term (equalling cheaper monthly repayments)
  • Changing to a fixed interest rate
  • Funding renovations or home improvements
  • Consolidating debts

All the above can be very beneficial as ways of accessing more funds or saving money on your repayments. It is wise to regularly review a mortgage that is already in place. By doing so you may find that you can access a better rate now, either through your current lender or a new one.

For more information about remortgages CLICK HERE.

Best mortgages for buying a home in Chester

When trying to secure the best deal on your mortgage rates, there are several areas that lenders will assess:

  • Income vs expenses
  • Credit profile
  • Occupation
  • Credit rating/score
  • Deposit amount (LTV)

We can help you compare pricing across lenders to find the one that is most suitable for you. There are hundreds of lenders currently operating in the UK but of course you cannot just apply to every lender.

Multiple mortgage applications will mean multiple credit checks in quick succession. We know this can have a negative impact on your credit score and so will ensure you only apply to lenders that are appropriate for your circumstances and budget.

This will help you avoid any potential issues this could then cause with purchasing your property.

For more information on buying a home with a mortgage CLICK HERE.

Buy to let mortgages in Chester

There are many buyers interested in property investment in the Chester area. This includes prospective homeowners, as well as landlords and investors. Landlords can stand to make a great profit in Chester.

Our buy to let property experts are able to offer excellent advice on finding a great mortgage deal and warn about any potential risk factors. Our team can also help advise you on the best resources in the area related to your purchase (solicitors, agencies etc).

This applies to those new to the area and those who already have Chester properties in their portfolio. We can help you save thousands of £s with our expert, hassle free mortgage advice.

For further information relating to buy to let mortgages CLICK HERE.

Protecting your mortgage

Protecting your loved ones future is a major concern for many. You want to ensure they will not struggle financially in the instance you are not around to support them anymore.

Insurance is the best possible protection under these circumstances and can allow your family additional funds to cover expenses such as mortgage payments.

The insurance pay out from a policy can even be enough to allow your family to pay off the mortgage, so they own the property outright.

The best policies for protecting your mortgage are: