Looking for mortgage advice? We offer all clients a no-cost and no obligation first meeting at our office, your home or using video conferencing technology!
At Financial Fortress, we maintain the highest levels of service and guarantee no jargon! No long wait times on the phone and easy to reach named & dedicated advisers!
Being INDEPENDENT brokers means we have access to the ENTIRE market (including the banks) to make sure that you get the very best deal based on your circumstances.
At Financial Fortress, we have years of experience helping clients purchase their dream homes. We’re constantly searching the market to bring our clients the very best products that carefully match your needs. Your adviser will clearly explain all the features and any limitations, helping you select the most suitable product.
We know which companies will lend to whom and understand their application process’s ensuring your application will contain all the information a lender requires to obtain a swift decision.
As whole of market mortgage company, we have developed relationships with the major lenders meaning we have individual contacts to get your mortgage arranged as quickly as possible. We understand this is an exciting time and work hard to get you in as quickly as possible!
The Mortgage Experts
Why you shouldn’t go to your bank
Looking to buy a first home, moving house, simply re-mortgaging or considering a buy-to-let? Then first rule of getting a mortgage is DONT USE YOUR BANK! Why?
Different banks have what we call different “lending criteria” and every bank will have up to 100 different mortgage deals. For example if you have 10% deposit and want to borrow over 25 years, the best deal may be X%, whereas a 25% deposit lender with a different term may get Z% deal. Given each bank has hundreds of “deals” and there are lots of banks – it is no surprise most clients tend to go to their own banks who they bank with.
Problem is, your bank will only sell their own products!! Whereas we sell EVERYONE’S!
Being INDEPENDENT brokers means we have access to the ENTIRE market (including the banks) to make sure that you get the very best deal based on your circumstances. Basically, we are the experts who shop around for you! GET IN TOUCH TODAY AND SEE HOW MUCH YOU CAN SAVE!
If you’re self-employed, we can still help?
If you have 2 years worth of full years accounts, you are in a position with most lenders subject to individual criteria. It is sometimes possible to obtain a mortgage using either just the latest year only or just one full year but this will usually result in higher interest rates and higher monthly payments. Your named INDEPENDENT expert knows what lender are specialists in this area and if its possible to help, we will!
How does a mortgage work?
A mortgage is a type of loan provided by a lender (like a bank for example) to an applicant to help them complete the purchase of a property. The main difference being that with a mortgage rather than a bank loan, there is a “legal charge” created on the property, meaning that should the applicant miss any payments on the mortgage, they are at risk of having their house repossessed by the lender. The lender therefore has “security” of the property and so is sometimes called a “secured loan”.
There are 2 main types of mortgage, arranged on either a repayment or interest only basis (more on this later). Your dedicated expert will explain the most suitable mortgage for you, finding the best solution for your needs!
Why use a mortgage adviser?
Simply put, a great INDEPENDENT broker will work with all lenders, know each lenders individual criteria and be able to advise on the very best /cheapest deal that is available. We will get to know you personally and only ever recommend mortgages that you definitely qualify for.
Remember multiple mortgage applications WILL damage your credit file! We can also obtain exclusive rates not available to the public direct and take you through the entire application process as seamlessly as possible. Your adviser will deal with other experts such as conveyancers/solicitors/estate agents and accountants meaning your mortgage is arranged as quickly and painlessly as possible. We will save you money and take away all the stress and hassle from the process.
What Our Clients Say!