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Mortgage Advisor Wigan

There are many great mortgage deals out there and numerous lenders to choose from, with over 100 mortgage providers operating in the UK.

Advice from a broker that is knowledgeable about your local area can make a big difference when it comes to finding the right mortgage deal. Our experts have years of experience in the Wigan housing market and can advise on the best lenders and deals available.

A local broker will usually be the best choice as they have a better understanding of factors that may affect house prices and mortgage deals in the area.

About essential MORTGAGES

We are a team of specialist advisors with a wealth of knowledge about the property market in Wigan.

As local experts, we are ideally placed to offer extensive advice on the best possible deals for mortgages in this area. Our team have secured great deals for buy to let properties, first time buyer mortgages and many more.

Our team of mortgage specialists can offer you FREE advice on how to save up to thousands of £s on your mortgage or remortgage.

Our lenders

Our dedicated panel of over 50 top UK mortgage providers allows us to search a great variety of deals to ensure we find the right price to suit your budget. With so many choices, we will be able to match buyers with the perfect mortgage and lender for their purchase.

Our lenders include:

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

Our team can compare pricing across all of these lenders and more, to ensure you receive the most competitive rates possible.

Why choose a mortgage broker in Wigan?

It is very important to choose a mortgage broker who you trust. As a mortgage is a big commitment you want to know you are receiving the best possible advice. A local broker in the Wigan area will be best placed to offer you reliable, expert mortgage advice.

With years of mortgage experience, our team can help buyers find great mortgages that will suit their needs without breaking the bank.

Key reasons to speak to our advisors include:

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

Our team can advise about all aspects of the home buying process and which lenders are the most appropriate choice for each buyer.

Cheapest mortgage deals in Wigan

With so many options for mortgage lenders and deals, there is the potential for great savings. There are several factors that could affect the amount you will pay and a specialist broker will be able to advise you on the best way to save.

By comparing prices across lenders, you can put a deal in place that is best suited to your budget while not compromising on the terms, rates etc that are best for you.

Our team can help with this comparison, as we have over 50 top UK lenders to choose from on our dedicated panel. With our advice, you could save massively on your monthly mortgage repayments.

Lowest Wigan remortgage rates

A remortgage can be a great option for many homeowners wishing to switch to a better deal or to release equity from their property. When remortgaging, it is a good idea to speak to a mortgage specialist so you can find the best available deal.

Some common reasons for remortgaging are:

  • Home renovations or improvements
  • Consolidating debts
  • Capital loan
  • Changing to a better rate
  • Switching to a fixed term deal

You could see notable long term savings simply by switching to a new deal, either through your current lender or a new one. Even with a mortgage in place, it is always worth reviewing available deals to make sure yours is still the one best suited to your needs.

To find out more about remortgaging a property CLICK HERE.

Best mortgages for buying a home in Wigan

With a lot of mortgage deals on offer, it can be tricky to know which one is the right choice for you. This can be true even if you have invested in property in Wigan before or currently live there.

A local advisor will help you assess any factors that may potentially affect your mortgage application. These may include:

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

We will ensure you apply to the lenders most suited to your budget, the terms you require and your financial history. Multiple applications can negatively affect your credit score, so we only recommend the most appropriate providers who are most likely to lend to you.

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

Buy to let mortgages in Wigan       

There is a lot of potential for property investment in Wigan. A buy to let mortgage can be a great opportunity for revenue, with steady rental income and possibly significant profit if the property is eventually renovated and sold.

A buy to let mortgage expert will be able to advise you through the whole process of purchasing your property. With years worth of experience, we have helped many landlords in the Wigan area find the right mortgage at the right price.

Our team will be able to compare available deals to find you the most competitive pricing.

To learn more about buy to let mortgage deals CLICK HERE.

Protecting your mortgage

If you were to become ill or pass away, you would want to know your loved ones and your mortgage will be safe and secure. This is why it is a good idea to put a policy in place as a safety measure.

·     Mortgage life insurance (Decreasing term)

·     Family life insurance (Level term)

·     Critical illness cover/critical illness insurance

·     Income protection

·     Mortgage payment protection

·     Buildings & contents insurance

Talk to a protection expert for more advice on the best ways to protect your mortgage.

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