Welcome to Montgomery Financial
Your Trusted, Respected, and Recommended mortgage experts at finding the right solution for you
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We are an Independent, Whole of Market Mortgage Broker based in the heart of the country but offering a National service to mortgage customers. Montgomery Financial is a company committed to giving great client service, transparent and jargon free advice. We adhere to the Financial Conduct Authority’s ‘Treating Customers Fairly‘ benchmark and runs through the company’s DNA.
As a company built on referrals and recommendations, client service via purposeful, accurate, and clear communication . Let us take the stress away, so you can get ready for your new home. We understand that whether you are a 1st time buyer, a home mover or an experienced portfolio landlord, house purchase can be an extremely difficult time. We want to help you through this purchase as well as the next and put in a plan so you can eventually be mortgage free!
What Does A Mortgage Broker Do?
Charles Breen introduces the company and talks us through the services offered by a mortgage broker.
We start by listening to your situation and learning about you. Then we see what you can borrow, and verify what you can afford by looking at your income and expenditure.
It’s not just multiplying your income by four and a half, as it was traditionally. We also look at your outgoings to see what’s going to be more suitable for you.
Once we’ve identified the right mortgage lender and a suitable deal for you, we would get you a Decision in Principle. You would then look at houses, if you’re not remortgaging, then we would submit your information and get you your mortgage offer.
It’s not just organising a mortgage. We also look at home insurance, life insurance and income protection – because it’s not just about getting you this large loan. It’s also about making sure you keep your house.
We want to keep that relationship with you up until your mortgage completes in 20, 25 or maybe 35 years. It’s not just a one-off transaction. It’s a long-term relationship, where we watch the market to get you the most positive products out there and try to save you money.
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