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Mortgage Advisor Stockport

There are over 100 lenders offering mortgage deals currently in the UK. This means there are thousands of deals to choose from. Whilst great in terms of the amount of choice available, it can be hard to know where to start when finding the right deal.

Stockport is a great area for homeowners and property investors alike. We are very experienced in the Stockport property market and know exactly which lenders and agencies will be the best choice for buyers in this area.

A specialist local broker will usually be the best option for buyers. This is because of the increased familiarity with factors that are area specific which could affect your mortgage deal.

About essential MORTGAGES

We are experts in all mortgage types from first time buyer deals to buy to let mortgages and many more.

With a vast knowledge of properties and agencies in Stockport and the surrounding area, we can help match you up with the perfect mortgage deal for your budget – whilst still ensuring the terms are right for you.

With over 50 top UK lenders on our dedicated panel, we can search across hundreds of great available deals.

Our lenders

We have 50 of the UK’s top lenders on our specially chosen panel of excellent mortgage providers. We can search across all of their available deals to find the best one for each buyer’s needs.

Our lenders include:

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

Speak to our team of independent mortgage specialists for advice on which lender is your most appropriate choice. We always strive to make your application process as smooth and easy as possible, by only recommending the most likely lenders to approve your application.

Why choose a mortgage broker in Stockport?

When choosing a mortgage it is vital to be 100% confident and comfortable with your choice of broker. The right advisor can help make the process far quicker and easier for buyers, especially if they are familiar with the local area.

Our team are Stockport housing market experts and have decades of experience in pairing buyers with their perfect lender and mortgage deal. Knowing the area well means we can best advise you on how things may affect your mortgage.

Reasons to speak to our Stockport mortgage specialists include:

  • Good understanding of the local housing market
  • Experience in dealing with local agents/agencies
  • Knowledgeable about the best local solicitors
  • Expertise in property surveying and valuations

If you need advice about your new mortgage or remortgage, our team are here to help.

Cheapest mortgage deals in Stockport

In a difficult market, there will be several key factors that determine how much your mortgage deal will cost. This includes elements such as which deal, rate and provider you choose.

Many lenders will even have multiple deals on offer so comparison can help to lead to the most competitive pricing.

Our main aim is to ensure you find the right deal for your mortgage in the most hassle free way possible.

We work with both high street and local lenders to find you the best rates. Often it can work out better to choose a local lender, as they have a better understanding of factors that may affect your property purchase.

Lowest Stockport remortgage rates

Remortgaging a property can be beneficial for numerous reasons. When looking to remortgage, speaking to an expert will ensure you are switching to the best possible deal.

Some common reasons to remortgage include:

  • Debt consolidation
  • Funding home improvements or renovations
  • Fixing your interest rate
  • Capital loan
  • Switching to a better rate

If on a special or discount rate, a remortgage to a new fixed rate deal could save you massively on your mortgage repayments long term. Be sure to review your current mortgage frequently as you may be able to find a better deal by switching to a new deal or lender.

To find out more about remortgaging a property CLICK HERE.

Best mortgages for buying a home in Stockport

It can be hard to know where to start when getting a mortgage, particularly if you are new to the area. This can still be the case even if you have lived in or owned properties in the area for many years.

There are many factors that you will need to consider when applying for a mortgage to find the best and most suitable deal. This includes:

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

It is best practice to avoid applying to multiple lenders, as a series of credit checks in a short space of time can negatively impact on credit score.

We will always make sure to only ever recommend the lenders most likely to approve your application, to save you from hassle and unnecessary complications.

For more information about how to find a great mortgage deal CLICK HERE.

Buy to let mortgages in Stockport

Stockport is a great area in terms of rental income, meaning investors and portfolio landlords could stand to make a decent profit when buying here.

It is important when taking out a buy to let mortgage to make sure you are receiving solid advice from an experienced broker. Our experts have many years of experience with buy to let mortgages and are able to answer any questions you may have.

You have the potential to save thousands of £s simply by consulting with a mortgage specialist before buying.

For more information about buy to let mortgages CLICK HERE.

Protecting your mortgage

It is a good idea to ensure your family and home are safeguarded with great cover. If anything were to happen to you in the future, you want to know your family and mortgage will be well protected. These policies can vary from traditional life cover, through to critical illness insurance and even more specialised mortgage policies.

The best options for mortgage protection are:

Speak to an expert for advice on how to best protect yourself and your family home.

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