Testimonials & FAQ's
See what our fabulous client’s have got to say and read our frequently asked questions below.
Some of our Awesome Testimonials
Lee dealt with our purchase in a very professional manner. He kept us updated at every step of the way. I would highly recommend Lee Mynard he is a great mortgage broker.
We received impeccable service from the chaps at Independent Mortgage Brokers. They really could not do enough for us. Thanks for all of your help, you really did make our dreams come true.
My situation was not the easiest to handle. In fact I have what some would say as bad credit, I needed a bad credit mortgage. My Broker helped me and advised me through the process, it went smoother than I thought. Moved in and really happy now. Can’t praise Independent Mortgage Brokers enough.
Buying our first home was incredibly stressful, Sarah really did go the extra mile. I can’t thank her enough, She has a wonderful commitment and work ethic. I will definitely use Sarah Devine again.
Purchasing a new build home was really stressful, getting the mortgage wasn’t. They took care of all the applications for the mortgage and the help to buy forms. Brilliant service and always kept me updated along the way.
Buying on my own was scary, Sarah really took the time to explain everything to me clearly and with no jargon. She made me feel comfortable and ensured I knew what was happening every step of the way. She really did make getting a mortgage very easy.
Myself and my wife didn’t think for one minute that we would qualify for our mortgage. The expertise that Independent Mortgage Brokers is without question brilliant. I had really bad credit. I needed a bad credit mortgage. The payments are literally half what we were paying in rent.
Wow – never had the level of service from a mortgage broker that I had from Independent Mortgage Brokers. They are just awesome.
We Are Here To Help You Find The Best Deals For Your Circumstances.
Why Use A Mortgage Broker?
It’s possible to apply for a mortgage directly with a lender on your own, it’s wise to use a mortgage broker. Here’s why.
Most mortgage brokers will find the most suitable mortgage deal for you, although some brokers may only have limited access to the market they may only search through a specified number of lenders. Here at Independent Mortgage Brokers, we access the whole market place, ensuring no stone left unturned, however there are some lenders and deals only available directly from the lender or not available to brokers at all, don’t worry we will let you who these are if they are applicable to your circumstances.
We will then assess your needs, circumstances and eligibility before we submit the application on your behalf, taking the stress out of the process. Saving you valuable time & effort. Let us do the hard work for you.
Mortgage brokers often have access to more deals than you’ll be able to find on your own, giving you a better chance of securing a competitive rate.
FAQ's
All lenders will only decide to lend once they have assessed your personal & financial information, they will also in the majority of cases review the data held on you and your financial associates, on the credit bureaus. These could include, Experian, Equifax & Call Credit to name just three. So realistically not everyone’s circumstances are exactly the same, so the honest answer is, it will be different for everyone. Your priority should be to make sure that you looking for the right mortgage for your circumstances. Independent Mortgage Brokers will help and guide you through this process.
Lenders will typically ask for three months’ worth of bank statements and payslips, a photo ID, and an address ID. Depending on your credit score, they may also ask for a copy of your credit history.
Follow the 3 steps below and you won’t go far wrong.
1. You need to prove that you are who you say you are
2. You need to prove you live where you say you live
3. You need to prove what you say you earn
It goes without saying that honesty is the best policy. Ask your independent mortgage broker, should you need any further information regarding the specific documents a lender may request.
Life, happens and we at independent Mortgage Brokers, realise that it is a not one size fits all world we live in. If you’re worried or concerned about your credit profile, talk to us, at least you will leave the conversation knowing if you do have options?
Loads of mortgage lenders specialise in lending to those who may not have the best credit history, sometimes these are called impaired credit mortgages. Speaking with an independent mortgage broker will help you find the most suitable specialist lender for your circumstances.
