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Mortgages

MORTGAGES

For many people a mortgage is the biggest financial commitment that they make. We can help you choose the right mortgage because we are mortgage specialists that have access to the whole mortgage market; we are not tied to specific lenders. The criteria for mortgage lending, and therefore mortgage affordability, has become much more complicated. We can help you to work out what you can borrow and afford. We can recommend what type of mortgage or remortgage: interest only, repayment, buy-to-let or lifetime; will best suit your needs. We can simplify a process that for many is overwhelming and daunting. If you are busy at work, we understand. We can liaise over the phone, by email, during office hours, or at a time to suit you.

Start your property search by emailing us…

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Interest Only

Repayment

Lifetime

Buy to Let

How we consult with you

Our service is all about delivering high quality advice and information at times to suit you. For a number of our clients, this means we never meet them face to face and conduct all our dealings over the telephone and via email. We are office based which means that we are always available to update you and answer your questions quickly and easily. Most of our clients choose to contact us during normal office hours but where this is not possible, we are always happy to find a suitable time.

Typically; we start with an initial discussion.This allows us to understand your circumstances and requirements. From there we are able to start providing information on products that would be suitable for you. This is normally done via email. Often our customers are at the beginning of a property search so our dialogue could continue for several months. We pride ourselves on being very responsive to our client’s needs so, whether you require an update on rates or an urgent decision in principle, we are on hand to help.

Finding the right mortgage product is one thing but getting a mortgage offer is altogether different. And this is where we really add value. Our sole objective is to get you what you want in the most painless way possible. When dealing with the banks this is not always straightforward, so we collect everything required from you and liaise on your behalf with the lender until the mortgage offer is produced.

Whether you are buying a new home or an investment property or wish to refinance an existing mortgage, we have the skills, tools and experience to help.

MR RIDER, TITCHFIELD

I have never used an IFA before and, I suspect like many people, was daunted by the erroneous belief that it would be an expensive service to use. It was a delight to find your modest fees were in fact taken care of by the building society. To me you were an expert and free service! Top marks for everything you did.

MR RIDER, TITCHFIELD

MR WILLIAMS, LONDON

I was really impressed by the speed and quality with which my mortgage application was handled. You were very flexible and helpful throughout the process. Highly recommended!

MR WILLIAMS, LONDON

MRS FRANCO, LONDON

Marchwood has done an excellent job for me as they have researched the market to meet my requirements, explained clearly the features of each mortgage and made recommendations. They have helped me with buy to let and main residence mortgages. The have ultimately saved me a lot of money and the provider paid them a commission so their services were at no cost to me. I highly recommend them.

MRS FRANCO, LONDON

MRS WANDLESS, LONDON

… always on call to answer any questions I had. A very painless experience, will definitely use again when I come to re-mortgage.

MRS WANDLESS, LONDON

How we charge - no unnecessary fees

Some firms will argue that the only way to get high quality service is to pay for it. We disagree with this view and do our best to provide the best possible service without the need to charge any additional fees for it. We do this because our experience tells us that our clients repay us by using other services we offer and recommending us to friends and colleagues.

Therefore; for most mortgages we arrange we rely solely on the commission paid to us by the lender and charge no fees to you whatsoever. This commission is declared in all the illustrations we produce and typically ranges from 0.30% to 0.45% of the mortgage loan.

On occasions it is necessary for us to charge a fee for our professional services alongside the commission paid by the lender. This is normally because the mortgage loan is too small to generate sufficient commission or because the complexity of the mortgage finance merits the additional fee. Typically; this fee can range from £195 to £495. The fee will be discussed and agreed with you from the moment we start work on your behalf.

Your home may be repossessed if you do not keep up mortgage payments.

Mortgages