The Mortgage Branch offers advice on a wide range of products and services
These services range from helping clients to realise their dream of buying their very first home, to finding you a better mortgage deal to improve your overall financial situation, as well as access to some exclusive broker-only deals.
So, whether you are simply looking to get some initial information about where you stand on being able to buy your first home, are moving home or re-mortgaging, or you’re an experienced portfolio landlord with years of property buying and ownership experience, get in touch now to see how you could benefit from the services and products we are able to provide advice on.
Navigating the thousands of mortgage options available on the market can be a daunting task and getting it wrong could cost you thousands of pounds over the life span of your mortgage. Our advisors are experienced Mortgage and Protection specialists and will be able to advise you on the right way forward.
Most importantly, we can give you the ongoing support you need throughout the process – from our initial discussions over the phone, at your home or at our offices, right through to application and completion.
First Time Buyers
Buying your first property can be both exciting and daunting. There are important decisions to make and criteria to be considered before you take your first steps onto the property ladder. However, we will assist you throughout the home buying process, to ensure you receive the right guidance and advice every step of the way.
Whether you are selling for the first time or an experienced home mover we offer a service dedicated to your needs and requirements. We understand that there are many considerations to make before you commit to selling your home and moving on, but we are here to help.
Mortgage lending criteria is constantly changing and it may have been some time since you last reviewed your mortgage options. Therefore its important to take advice before getting serious about your move. Our aim is to put you in a good position to proceed once you receive an offer on your own property and are ready to make on offer on your new home.
Did you know you may be able to save money if you switch your mortgage to a new deal?
Your existing mortgage rate may shortly be coming to an end, and even if your monthly payments have reduced, it is still a good idea to review your mortgage to ensure your current deal still meets your needs and requirements.
Alternatively, if you have been in your home for a number of years and seen a rise in the value of your property, you may wish to raise some additional borrowing. That's where we come in!
New Build/Help To Buy
All our advisors are professionally qualified. In addition to this our New Build Mortgage Specialists receive bespoke training on the New Build process before offering any advice on purchases. All our advisors are locally based and we are happy to meet you wherever is most convenient for you.
We also offer a dedicated Help to Buy service where we are able to advise on how this option may be suitable for you, explain how it works fully, completed all the paperwork and liaise with the Help to Buy South Team and the developer to ensure that both the mortgage and Help to Buy applications are managed through fully saving you time and making the whole process hassle free.
Buy To Let/Let To Buy
Whether you are considering a buy to let for the first time, or you own a property that you are considering letting to enable you to move on, or you are an experienced landlord, we will ensure you receive the right advice and guidance.
Your aim will be to cover your costs and make a profit. It is a good idea to talk to a mortgage advisor before you look for properties, as lending criteria can differ greatly, and rental and varying property charges are a key factor. It is important to ensure that you have thoroughly researched the rental market, have a good understanding of the potential rental income and how easily a property is likely to rent before committing to any purchase.
We have relationships with a number of local estate agents and will happily introduce you to them to assist with your property hunt, arranging any lettings and/or getting the information you need to be able to make a truly informed decision. **
**The products and services promoted here are not part of the Openwork offering and are offered in our own right. Openwork Limited accepts no responsibility for this aspect of our business, and these products are not regulated by the Financial Conduct Authority.
In addition, please note: Some Buy To Let mortgages are not regulated by the Financial Conduct Authority.
We are also able to help and advise on the following areas:
Shared Ownership Mortgages
Limited Company Buy to Lets
Houses in Multiple Occupation (HMO’s)
Commercial Mortgages **
Self Build Mortgages
Development Loans **
Bridging Loans **
Second Charge Lending **
Please contact us directly to discuss these further on 01242 696 236.
**We have a strong relationship with a range of Commercial Mortgage Brokers and are able to work with you, and them, on these bespoke lending areas to find the right deal for you.
Buying a home is a big commitment and it is important to consider your options around protecting your home, belongings, health and loved ones. If you're remortgaging or moving home its a good time to review any existing arrangements to make sure you have sufficient cover and they're still the right products for you.
If your circumstances changed would you be able to continue to pay your mortgage? If you or your partner were to die, become critically ill, lose your job or have an accident that prevented you from working, how would this affect your financial situation?
We offer advice on a wide range of protection policies that are designed to help you continue to meet your mortgage repayments and monthly commitments, should any of these events happen. They include:
Critical illness cover
Accident, sickness and unemployment cover
Buildings and contents insurance
Our advisors will help you to decide which types of cover would best suit your needs and circumstances, ensuring that these fit within your proposed budget. They will also help you complete all the necessary paperwork to ensure no mistakes are made and to give you more time to focus on your house purchase.
Please note: The Mortgage Branch is a credit broker, not a lender. Commercial mortgages and some Bridging finance are not regulated by the Financial Conduct Authority.
If you would like to talk through any of the services listed above, please give us a call. We're here to help!