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Mortgage Advisor Oldham

There are numerous options available for mortgages when wanting to buy a property. This can make it difficult to know which mortgage deal and lender will work best for your purchase and personal circumstances.

A local mortgage broker will have a better idea of factors that are specific to your area that may impact on your mortgage application. We have years worth of experience in helping buyers in the Oldham area find great mortgage deals to suit their needs and budget.

Speaking to a mortgage specialist that knows your area well can often be far more helpful when trying to find the right mortgage deal.

About essential MORTGAGES

Our knowledgeable team of skilled advisors have a wealth of expertise in mortgages in the Oldham area.

We are experts in many different types of mortgage deals including first time buyer mortgages, buy to let mortgages, mortgages with poor credit history etc.

We have worked with buyers in Oldham for years, offering expert advice and support through every step of their property purchase.

Our lenders

Our specially selected panel of mortgage providers includes more than 50 of the top lenders in the UK. Because of this we can help find a great mortgage deal to suit the needs and budget of any buyer.

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

You can speak to our experts for extensive advice on which lender is the most suitable choice for you. We can find the most competitive pricing available for buyers in the Oldham area.

Why choose a mortgage broker in Oldham?

Having the right mortgage advisor can make a big difference for your mortgage application process. An advisor with a good level of skills and experience will be able to ensure your property purchase is smooth and hassle free.

As experts in Oldham mortgages, we can offer advice on a wide range of mortgage types, interest rate types etc. that are available in your area. With a great knowledge of the local housing market, we can advise you on any potential risks that could affect your mortgage.

Some reasons to speak to our Oldham mortgage experts are:

  • Knowledge of the local property market
  • Experience dealing with local agents
  • Knowledge about local solicitors and agencies
  • Surveyors and valuations experience

We know sometimes a mortgage application can be complicated by various factors such as previous poor credit history. Speaking to a mortgage expert can help you avoid any concerns or issues you may face if going directly to a lender.

Cheapest mortgage deals in Oldham

There are several ways you can ensure you are finding a mortgage deal that has both great terms and a reasonable monthly repayment price.

The first step is to speak to somebody who understands the property market, as well as any great deals or risks that can be involved. Our team are passionate about finding mortgage deals that are both high quality and appropriate for the budget of each buyer.

A broker who doesn’t understand your local area may be unaware of factors that can affect mortgage rates there. Our local experts can assess all of these factors and find a deal that works for you.

Lowest Oldham remortgage rates

Remortgaging from your current deal can be very beneficial for property owners for various reasons. Some great reasons to consider remortgaging include:

  • Consolidating debts
  • Changing to a fixed interest rate
  • Funding renovations or home improvements
  • Switching to a longer mortgage term to decrease monthly repayment costs

It is a good idea to assess your current mortgage deal regularly to make sure your deal is still the best one available for your needs. Often by reviewing your deal, you can find a new one that has lower rates, either through your current lender or a new one.

Find out more about remortgaging your property.

Best mortgages for buying a home in Oldham

When looking for the best mortgage deal, it is important to remember that lenders will assess several areas before approving an application.

This means it is wise to consider if these will impact your application before speaking to lenders. These areas include:

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

If you think any of these areas could cause an issue with your application, speak to one of our mortgage specialists. We will ensure you only apply to lenders most likely to approve your mortgage – saving you unnecessary time and hassle.

Buy to let mortgages in Oldham

There are some great properties currently on the market in Oldham, that would be well suited to property investment and producing rental income.

Investors and portfolio landlords seeking to purchase property in the Oldham area could benefit from speaking to our mortgage experts. We have years of experience in buy to let mortgages in this area and can offer extensive advice and support.

We know the best local agencies and solicitors for Oldham mortgages and can help with all stages of your property purchase.

Learn more about how to find great buy to let mortgage deals.

Protecting your mortgage

It makes sense to put protection in place, with a large monthly expense like a mortgage. Having a policy in place to safeguard your family and mortgage can allow for peace of mind, knowing your repayments will be covered in the event something happens to you.

Get in touch with an expert for more advice on the best way to protect your mortgage.