Mortgage Broker in Rushden
- Access to competitive rates and some you can't get direct
- Specialist Mortgage Advisers
- We work with a wide variety of lenders
Get In Touch
Mortgage Advice in Rushden From a Trusted Mortgage Broker
If you’re seeking top mortgage offers in Rushden, you’re in good hands with us. As a comprehensive market mortgage broker in Rushden, we have access to exclusive products that aren’t available on the high street or comparison websites.
Montgomery Financial is a group of seasoned mortgage advisors based in Rushden, providing approachable, clear, and unbiased mortgage guidance regardless of the complexity of your needs.
Our expert consultants serving Rushden collaborate with a comprehensive array of UK mortgage lenders, including investment and private banks as well as well-known high street institutions. Our robust connections within the industry allow us to match you with the most appropriate lender for your specific needs..
Our mortgage brokers in Rushden can obtain mortgage financing for you whether you’re a first-time buyer, moving homes, seeking to remortgage, investing in a buy-to-let property, or simply aiming for a better mortgage deal. We’re here to assist you. Our mortgage advisors will help you secure an Agreement in Principle at no cost and with no obligation. Feel free to contact us.
Responsive Mortgage Advice in Rushden
We have an extensive selection of mortgage lenders available, each providing our clients with exclusive and advantageous offers that are not accessible by approaching them directly! Regardless of your situation, our swift and approachable team of professional mortgage advisors in Rushden will leverage their industry expertise and career experience to assist you in finding the ideal deal for your goals! Our aim is to help you save both time and money in the process.
To obtain an accurate insight into the quality of service our clients experience, we invite you to explore our outstanding customer reviews. From our initial conversation, through the significant milestones of the mortgage process with your dedicated mortgage advisor in Rushden, to the intricate details handled by our mortgage administrators, we are committed to keeping you informed, updated, and most importantly, satisfied throughout your mortgage journey.
We Work For You – Mortgage Broker in Rushden
As a mortgage broker in Rushden, we provide comprehensive assistance and advice during your home purchase or remortgage process. We are dedicated to alleviating any worries you may have and addressing all of your inquiries throughout our collaboration. We aim to be a valuable asset to your journey!
Mortgage Broker versus the Banks Mortgage Advisor
When you decide to go straight to a bank and consult with their in-house mortgage advisor in Rushden, your choices will be restricted. A bank can only provide its own mortgage products. On the other hand, a professional mortgage broker in Rushden, such as us, has access to a vast array of exclusive deals, many of which are unavailable if you approach the bank directly.
Our reliable and seasoned mortgage and protection team in Rushden possesses a deep understanding of various mortgage criteria and products. As a Mortgage Broker in Rushden, we can search extensively to secure the best deal for you, aiming to save you both time and money!
What does a Mortgage Broker in Rushden do?
The bank is limited to providing you with a product from their specific lender. On the other hand, our trustworthy mortgage advisors in Rushden present a diverse range of options for you to select from, making us a top-notch choice as a mortgage broker in Rushden!
We would be happy to have a chat!
Several of the lenders we collaborate with provide specialized mortgage products, each with distinct criteria. With our extensive experience in delivering high-quality mortgage advice in Rushden, we can customize our services to meet a customer’s specific needs, even if you need specialized mortgage advice in Rushden.
Don’t worry if your situation is more complex than typical mortgage issues. Our mortgage advisors in Rushden will strive to make it work for you. We might be able to locate a specialized product that fits your needs and provide you with appropriate specialist mortgage advice in Rushden.
We believe it’s wise to be proactive by consulting with a professional mortgage advisor in Rushden. Our team can help you with budgeting suggestions and setting up your Mortgage Agreement in Principle, which we can frequently provide on the same day. This preparation is beneficial when you are ready to make any offers.
If you’re curious about calculating your potential monthly mortgage payments, you might find our Mortgage Calculators Page helpful. While it provides only an estimate, it’s a valuable resource for anyone wanting to get an idea of their possible repayment amounts.
Speak To an Expert
Common Mortgage Questions in Rushden
How does my mortgage process work?
Factfind: You will share details about your personal and financial circumstances with the lender, who will use this information to assess your eligibility for a mortgage.
Meeting: Your personal mortgage consultant in Rushden will arrange a complimentary session to talk about your requirements and objectives, and assist you in finding a mortgage offer customized for you.
Credit Assessment: Following the consultation, the lender will perform a credit assessment to confirm your credit reliability and assist you in securing an Agreement in Principle.
Evidential documentation: Should you wish to continue, further documentation will be requested to bolster your application, including items like pay slips, tax returns, or income verification.
Mortgage application submission: Once you have your Agreement in Principle, supporting documents, and a detailed mortgage offer that meets your approval, you can proceed with submitting your mortgage application.
How long does an Agreement in Principle last?
The length of an Agreement in Principle (AIP) can differ based on the lender, but typically, most AIPs are valid for approximately 60-90 days. This implies that if you don’t finalize your mortgage application within this period, you will need to reapply for an AIP and submit updated information, which one of our mortgage advisors in Rushden can assist you with. However, some lenders might provide an AIP for a shorter duration, such as 30 days or less. It’s advisable to confirm the exact timeframe with the lender.
Can I get a second mortgage in Rushden?
Certainly, obtaining a second mortgage in Rushden is possible. However, it’s crucial to understand that this is a significant financial commitment and carries certain risks. Therefore, it’s advisable to explore all available options and consult with a mortgage advisor in Rushden before proceeding with any decisions.
Furthermore, you must satisfy specific criteria and conditions established by the lender, and the interest rate for a second mortgage is generally higher compared to a primary mortgage.
Can I get a mortgage in Rushden with previous credit problems?
Securing a mortgage in Rushden might be more challenging if you have a history of credit issues, but it is still achievable. Lenders assess credit history and credit scores to gauge an applicant’s repayment capability. Therefore, if your record includes late payments, loan defaults, or bankruptcies, obtaining mortgage approval could be more difficult.
Nevertheless, certain lenders might still be open to reviewing your application if you can show that the credit problems were due to factors outside your control and that you have made efforts to enhance your credit since that time.
Collaborating with a mortgage broker in Rushden is crucial because our skilled mortgage advisors in Rushden possess the expertise to assist individuals with credit issues in discovering the most suitable solution for you.
I’m self employed in Rushden can I get a mortgage?
Indeed, self-employed individuals are eligible to obtain a mortgage in Rushden. Nonetheless, the procedure for self-employed applicants might vary somewhat from that of individuals who are employed by a company and receive consistent salaries.
Individuals who are self-employed might need to furnish extra paperwork, like tax returns and profit and loss statements, to verify their earnings. Additionally, lenders might ask self-employed applicants to present a more extended history of self-employment, usually spanning 2-3 years.
It is advisable to consult a mortgage broker in Rushden who specializes in self-employed mortgages, as they can assist you throughout the procedure and help you locate a lender open to reviewing your application.
What documents will I need to provide for my mortgage application?
When seeking a mortgage or remortgage, lenders will ask for specific documents to back up your application. These typically include proof of identity, bank statements, and pay stubs. If you’re uncertain about which documents are required, your mortgage advisor in Rushden will assist you throughout the process to make sure all essential paperwork is submitted.
How long does the process in Rushden take?
In your complimentary mortgage consultation in Rushden, we will dedicate around an hour to thoroughly examine your personal and financial circumstances. Following the consultation, our goal is to offer you an Agreement in Principle within 24 hours.
Securing an Agreement in Principle is crucial when placing an offer on a property, as it demonstrates to real estate agents and sellers that you have preliminary mortgage approval. The last stage involves submitting your mortgage application and awaiting a formal mortgage offer, which usually takes 2-4 weeks if the process is smooth and your application is fairly simple.
How does the free initial mortgage consultation in Rushden work?
In a complimentary mortgage consultation with one of our advisors in Rushden, we will perform an in-depth evaluation of your personal, financial, and mortgage circumstances. This data is essential to fully comprehend your mortgage requirements.
Armed with this data, your mortgage consultant in Rushden can identify the best mortgage solutions for you, customizing the search to fit your specific situation. Collaborating with a mortgage advisor in Rushden allows you to conserve both time and money, as they will handle the task of finding mortgage products for you.
When should I obtain an agreement in principle in Rushden?
It’s typically wise to secure a preliminary agreement before you begin your property search, as it can assist in focusing your efforts on homes within your financial reach. Additionally, having this agreement when you place an offer can show the seller that you are a committed and financially reliable buyer.
How much deposit do I need for a mortgage in Rushden?
The size of the down payment required for a mortgage in Rushden will vary based on several elements, such as the kind of mortgage you’re seeking, your credit rating, and the lender’s criteria. Generally, lenders ask for a minimum deposit of 5% of the property’s value, but it’s not unusual for some lenders to demand a down payment of 10-20% or higher.
If you intend to buy a more expensive property, you will need a larger down payment. Additionally, it’s important to remember that the larger the down payment you can make, the more favourable the mortgage rate you are likely to obtain.
It’s crucial to recognize that the deposit is just one of the expenses involved in purchasing a property. You must also account for additional costs like stamp duty, legal fees, survey fees, and moving expenses in your budget.
It is advisable to speak with a mortgage broker in Rushden to find out the necessary deposit and explore the mortgage choices that suit your personal financial circumstances.
What services do Montgomery Financial’s mortgage advisors in Rushden offer?
Montgomery Financial’s mortgage advisors in Rushden offer a range of services including independent advice on mortgages, life insurance, health insurance, and other financial services. They ensure you find the right mortgage product tailored to your needs.
How can I get in touch with a mortgage adviser at Montgomery Financial?
You can get in touch with a mortgage adviser at Montgomery Financial by visiting their website, calling their office, or sending an email. They are always ready to offer friendly advice and help you with your mortgage needs.
Are Montgomery Financial’s mortgage advisors in Rushden independent?
Yes, Montgomery Financial’s mortgage advisors in Rushden are independent. They offer unbiased advice and have access to the whole of market, ensuring you get the best mortgage deal available.
What makes Montgomery Financial the best mortgage advisors in Rushden?
Montgomery Financial is considered one of the best mortgage advisors in Rushden due to their comprehensive service, expert mortgage advice, and excellent client reviews. They guide you through every step of the mortgage process to ensure a smooth experience.
Do Montgomery Financial’s mortgage advisors offer advice on buy to let mortgages?
Yes, Montgomery Financial’s mortgage advisors offer independent advice on buy to let mortgages. They help you understand the market and find the right mortgage product for your investment property.
Can Montgomery Financial help with life insurance and health insurance?
Absolutely. Montgomery Financial provides advice on life insurance and health insurance, ensuring you have the right coverage to protect you and your family.
Are Montgomery Financial’s services regulated?
Yes, Montgomery Financial’s services are regulated to ensure they meet the highest standards of professionalism and compliance. This gives clients peace of mind knowing they are receiving trustworthy advice.
What areas do Montgomery Financial’s mortgage advisors cover?
Montgomery Financial’s mortgage advisors primarily serve clients in Rushden and the surrounding areas in Northamptonshire. They are well-versed in the local mortgage market and can offer tailored advice to meet your needs.
How do I know if Montgomery Financial is the right choice for me?
Montgomery Financial has a strong reputation for providing expert mortgage advice and excellent client service. You can read client reviews and testimonials to see why they are considered the best mortgage advisors in Rushden. If you’re looking for independent, friendly advice, they’d love to help you.
Does Montgomery Financial offer free mortgage advice?
Yes, Montgomery Financial offers free mortgage advice to help you understand your options and make informed decisions. They are committed to providing valuable guidance without any initial cost.
Speak To an Expert
Useful Links
Why Montgomery Financial
- Competitive customer service
- Available to help with your home and protection needs
- Honest and totally transparent service
