Mortgage broker simplifies the process of finding the best mortgage deal by providing access to multiple lenders and expert advice. They save you time, handle complex paperwork, and offer tailored solutions based on your financial needs, making the entire experience smoother and less stressful.

While it's possible to approach lenders directly, hiring a mortgage broker can be highly beneficial. Brokers have access to a wide range of mortgage products, including exclusive deals you might not find on your own. They provide expert guidance, handle the tedious paperwork, and negotiate better rates on your behalf. Whether you're a first-time buyer or refinancing, a broker helps you navigate the complex mortgage market and find the most suitable loan for your situation.

We charge a fee of £995 for providing advice and submitting your mortgage application. This fee becomes payable on application. For complex cases we charge fee of 1% of loan amount.

We will receive and retain any commission paid by the lender when your mortgage completes. This amount will be confirmed by the lender in their disclosure document.

For more information, please refer to our Terms of Business

The mortgage rates you can expect depend on several factors, including your credit score, the size of your deposit, the type of mortgage you're seeking, and the lender you choose. Generally, rates will vary between fixed, variable, and tracker mortgages. A larger deposit and a strong credit history typically lead to better rates. It’s also important to consider whether you're opting for a first-time buyer deal, a remortgage, or a buy-to-let mortgage, as each can have different rate options. Consulting a mortgage broker can help you find the most competitive rates available based on your specific circumstances.

A buy-to-let remortgage involves switching your existing mortgage on a rental property to a new lender or deal. Property investors typically remortgage to secure better interest rates, release equity for further investments, or adjust repayment terms. It can also help you restructure your finances, reduce costs, or fund renovations to increase the property's rental value. Evaluating your options with a mortgage broker ensures you find the best remortgage deal tailored to your investment goals.

Yes, it is possible to get a mortgage while on a work visa, but the process may vary depending on the lender and the type of visa you hold. Lenders typically look for proof of stable employment, a steady income, and a good credit history. Some lenders may have specific criteria for non-permanent residents, and the size of the deposit required may be higher. Working with a mortgage broker, like Native Financial Services, can help you navigate the requirements and find mortgage options that suit your circumstances, ensuring you get the best deal available.

Yes, it is possible to get a mortgage when you're self-employed, though the process may be a bit more complex compared to someone with a regular salaried job. Lenders typically require additional documentation to verify your income, such as tax calculations/SA302, tax returns, bank statements, and profit and loss statements. They want to ensure that your income is stable and sufficient to support mortgage repayments. Working with a mortgage broker like Native Financial Services can help streamline the process and connect you with lenders who specialize in self-employed borrowers, increasing your chances of securing the best mortgage deal.

Yes, as a CIS (Construction Industry Scheme) contractor, you can still get a mortgage. However, lenders may require additional documentation to verify your income, such as your CIS payment statements, tax returns, and bank statements. Since your income may fluctuate, some lenders may assess your average earnings over a period of time to determine your affordability. Native Financial Services can help you navigate the process and find lenders who specialize in mortgages for contractors, ensuring you secure the best terms for your situation.

Yes, it is possible to get a mortgage with bad credit, but it may be more challenging. Lenders typically view individuals with bad credit as higher-risk borrowers, which could result in higher interest rates or stricter terms. However, some lenders specialize in offering mortgages to those with less-than-perfect credit. Working with a mortgage broker, like Native Financial Services, can help you explore your options and find a suitable deal that matches your financial situation. Brokers can also assist in improving your chances of approval by guiding you on how to present your case to lenders effectively.

Several factors can affect your mortgage application, including your credit score, income stability, employment history, and the size of your deposit. Lenders also assess your debt-to-income ratio to ensure you can afford the mortgage payments. If you have any recent financial issues, such as missed payments or a bankruptcy, these could also influence the decision. Other factors like the property’s value, your nationality or residency status, and the type of mortgage you’re applying for may play a role as well. Consulting with a mortgage broker at Native Financial Services can help you identify and address potential issues before applying.