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
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.
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.