Mortgage Broker in Northampton & Surrounding Areas
- Access to competitive rates and some you can't get direct
- Specialist Mortgage Advisers
- We work with a wide variety of lenders
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Mortgage Broker in Northampton & Mortgage Advice in Northampton
Welcome to Montgomery Financial’s website. As a Mortgage Broker based in Northampton, our role is to offer transparent and sincere Mortgage Advice in Northampton, along with comprehensive support and guidance throughout the entire mortgage journey.
At Montgomery Financial, our team of seasoned Mortgage Advisors in Northampton is dedicated to simplifying and easing the home buying and remortgaging experience. We will support you throughout your entire mortgage journey, from your first inquiry to the final steps.
How can we help you obtain a mortgage in Northampton?
Our mission is to provide outstanding service to each new or current customer who contacts us for assistance. We encourage you to read our authentic reviews to understand why clients select us and to see what others have said about their experiences with us as their Mortgage Broker in Northampton.
Providing exceptional customer service is central to our company’s mission. We are passionate about assisting our clients and guiding you towards achieving your mortgage objectives by offering professional Mortgage Advice in Northampton.
Our Mortgage Advisors in Northampton are known for their transparency and honesty when suggesting the best options tailored to each customer’s situation. We aim to alleviate your stress and address any questions you may have before and throughout the mortgage process..
One of the key advantages of choosing a Mortgage Broker in Northampton like us is our collaboration with a wide range of lenders. We have access to thousands of mortgage deals to ensure you secure the most appropriate one. Many of these offers are not available to the general public. As a seasoned Mortgage Broker in Northampton, we do the legwork by comparing various deals on your behalf, thereby saving you both time and money.
Throughout our time as Mortgage Brokers in Northampton, we have conversed with and assisted numerous clients in reaching their mortgage objectives. Given our extensive experience in the field, our independent mortgage advisers have encountered almost every possible scenario.
How our Mortgage Advice process works in Northampton
As a Mortgage Broker in Northampton, our role is to identify the best mortgage or remortgage options tailored to your specific situation. Reach out to us by scheduling a complimentary mortgage consultation with a dedicated Mortgage Advisor in Northampton at a convenient time for you. We often have appointments available on the same day.
In that meeting, your Mortgage Advisor in Northampton will gather a comprehensive financial profile to grasp your current circumstances and your goals. Following this, we will start exploring thousands of deals to identify the most appropriate mortgage product for you. Your mortgage adviser will provide a more detailed explanation during your appointment.
Following that, we will suggest the best deal currently on the market. Should you be satisfied with our suggestion, we can proceed to secure your mortgage agreement in principle through our experienced mortgage advisers.
The next step is to start looking for a house. Once your offer on your ideal home is accepted, reach out to your Mortgage Advisor in Northampton to move forward with your complete mortgage application.
It’s now our responsibility. We will proceed with submitting your complete mortgage application, and your case manager will keep you informed about the progress until we obtain your official mortgage offer.
Our goal is to alleviate the stress and navigate the challenges associated with your home purchase or remortgage process. We also strive to maintain communication with clients even after the transaction is finalized to make sure your mortgage remains the best option for you.
Contact your Mortgage Broker in Northampton
Should you require assistance in securing a mortgage, a Mortgage Broker in Northampton is your go-to resource. Our dedicated team is prepared to support you in reaching your objectives. Whether you’re a First Time Buyer, moving homes, a landlord seeking a Buy to Let mortgage, or simply in need of professional Mortgage Advice in Northampton, we are eager to assist you.
Our Mortgage Advisors in Northampton are on hand, usually, we have same-day appointments available. Get in touch, and let’s start your mortgage journey today.
Why choose Montgomery Financial Northampton?
Our Mortgage Advisors in Northampton, who are regulated by the Financial Conduct Authority, have encountered nearly every mortgage situation imaginable.
With our extensive experience and expertise in the industry, coupled with our commitment to finding you a competitive mortgage offer, we are confident that, considering factors like your credit history and financial capability, we can assist you in reaching the final stage of mortgage completion!
Specialist Mortgage Scenarios
From seeking a second mortgage to securing one despite a CCJ, we’ve encountered a wide range of unique scenarios.
Each of our Mortgage Advisors in Northampton is an expert in different mortgage situations, ensuring you receive tailored advice. Following your complimentary mortgage consultation, you will be assigned a dedicated Mortgage Advisor in Northampton who specializes in your particular mortgage needs!
We also have access to exclusive mortgage products. These unique offers are available through a select number of lenders; often, banks and building societies cannot access these deals, and they are only available through mortgage brokers like us.
Getting Mortgage Advice From Your Bank
Frequently, our clients reach out to their bank prior to seeking our Mortgage Advice services in Northampton.
The primary reasons banks are unable to assist include not meeting the criteria/tight affordability, unavailability of appointments, or insufficient borrowing capacity.
Should this scenario pertain to you, it is crucial to consult with a Mortgage Broker in Northampton, such as our team, who are eager to assist you!
The sooner you seek guidance from a Mortgage Broker in Northampton, the more advantageous your position will be when you choose to finalize a mortgage agreement.
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Common Mortgage Questions in Northampton
How does the free initial mortgage consultation in Northampton work?
Your complimentary mortgage consultation with a Mortgage Advisor in Northampton will take around 30 minutes. After assessing your circumstances, they will suggest a mortgage option for you without any obligation to move forward. Depending on the offer, you can choose whether or not to proceed with us.
How does the process work in Northampton?
As a trusted Mortgage Broker in Northampton, we carry out a fact find to verify your needs before recommending you with a mortgage deal. After a Mortgage Advisor in Northampton has evaluated your situation, they will perform a credit check on you, this is required for an agreement in principle. Then after you have provided all of the relevant documentation and a valuation of the property has been carried out, a formal mortgage offer can be issued by our regulated mortgage advisers.
When should I obtain an agreement in principle in Northampton?
We consistently recommend securing an agreement in principle before beginning to view properties in Northampton to prevent any letdowns. To get a jump on the process, you should obtain one before submitting an offer.
How long does an Agreement in Principle last?
Generally, an agreement in principle is valid for a period ranging from 30 to 90 days, though this duration may vary based on your lender in Northampton and their specific mortgage services. Should your agreement in principle lapse, it can be renewed with relative ease.
Can I get a second mortgage in Northampton?
Certainly, obtaining a second mortgage is an option that our financial advisors can help you explore. This can be done for purposes such as consolidating debt or making home improvements. Additionally, you can secure a second mortgage on another property, provided it is for personal use, a family member’s use, a vacation home, or a Buy to Let investment.
How much deposit do I need for a mortgage in Northampton?
To purchase a property in Northampton, you must provide a minimum down payment. Generally, for mainstream lenders, this amount is around 5%. However, this percentage may increase if you have a history of credit issues.
Can I get a mortgage in Northampton with previous credit problems?
It will be more challenging, but it is possible. You will need to demonstrate your ability to afford a mortgage by making a larger down payment, potentially around 10% to 15% of the property’s price.
I’m self employed in Northampton, can I get a mortgage?
Certainly, but you need to provide at least one year’s worth of accounts. The majority of lenders calculate the maximum mortgage based on your salary plus dividends, while some lenders in Northampton might use your net profit as the basis.
What documents will I need to send?
If you are employed, you must submit three pay stubs to verify your earnings. If you are self-employed in Northampton, you will need to present accounts for the last two years, as our mortgage advisers require this information to assist you effectively. Additionally, you must provide identification, proof of address, and bank statements for the past three months.
How long does the process take?
Our complimentary mortgage consultation in Northampton will last approximately 30 minutes. After your consultation is finished, we can secure an agreement in principle for you within a day. Typically, a formal offer is issued within three weeks.
What services do mortgage advisors in Northampton offer?
Mortgage advisors in Northampton offer a range of services including mortgage and protection advice, remortgage options, first time buyer mortgage guidance, buy-to-let mortgage solutions, and equity release. They provide tailored advice to ensure you get the best mortgage deal to suit your needs.
How can a mortgage broker in Northampton help first time buyers?
A mortgage broker in Northampton can help first time buyers by providing expert advice on the best mortgage options available. They guide you through the entire process, from finding the best mortgage rate to completing the application, ensuring you get the right mortgage to suit your needs.
What is the role of an insurance broker in the mortgage process?
An insurance broker plays a crucial role in the mortgage process by helping you find the right insurance products to protect your home and mortgage. They offer advice on various types of insurance, including home insurance and mortgage protection insurance, ensuring you are fully covered.
Can mortgage advisors in Northampton assist with buy-to-let mortgages?
Yes, mortgage advisors in Northampton can assist with buy-to-let mortgages. They provide expert advice on the best buy-to-let mortgage options, helping you understand the requirements and find the best mortgage deal for your investment property.
What is equity release and how can it benefit homeowners?
Equity release is a financial product that allows homeowners to access the equity tied up in their property. It can benefit homeowners by providing a lump sum or regular income, which can be used for various purposes such as home improvements, paying off debts, or supplementing retirement income. An equity release broker can provide detailed advice on the best options available.
How do financial advisors and mortgage advisors differ?
Financial advisors provide a broad range of financial advice, including investments, pensions, and estate planning, while mortgage advisors specialize in providing mortgage and protection advice. Both can work together to ensure you get comprehensive financial and mortgage solutions tailored to your needs.
What should I look for in a trusted mortgage advisor in Northampton?
When looking for a trusted mortgage advisor in Northampton, consider their experience, qualifications, and whether they are authorised and regulated by the relevant authorities. Look for advisors who offer independent whole of market advice and have a proven track record of finding the best mortgage deals for their clients.
How can I ensure I get the best mortgage rate?
To ensure you get the best mortgage rate, work with a mortgage broker Northampton who has access to a wide range of mortgage products. They can compare different mortgage rates and terms, providing expert advice to help you choose the right mortgage to suit your needs.
What are the benefits of using an independent whole of market mortgage advisor?
An independent whole of market mortgage advisor can offer unbiased advice and access to a wide range of mortgage products from various lenders. This increases your chances of finding the best mortgage deal that suits your specific needs and circumstances.
What types of mortgages are available through mortgage advisors in Northampton?
Mortgage advisors in Northampton can help you with various types of mortgages, including fixed-rate mortgages, variable-rate mortgages, tracker mortgages, buy-to-let mortgages, and first time buyer mortgages. They provide detailed advice on each type to help you make an informed decision.
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Why Montgomery Financial
- Competitive customer service
- Available to help with your home and protection needs
- Honest and totally transparent service
