Fee free Mortgage Advice
Fee Free is possible in Branch or by the mammoth organisations that process thousands of mortgage applications a week/month - You are a number. Also available to simple & uncomplicated cases such as, PAYE, no credit issues, no dependants or relationship issues etc etc.
If for example u need to use unguaranteed income to meet Affordability; You have Adverse Credit history, your wife/partner has Adverse Credit history, you have children, your wife/partner is not working or on maternity leave, you only want to apply in Sole name, the property is of non standard construction, you have less than 6 months remaining on current Contract or a host of other criteria, then The Broker will not earn sufficient money from the Mortgage Only.
L&C are very good at what they do, but I have salvaged to Mortgages for people Declined when using L&C - Saved one client £3K in the 2 year fixed rate period. - All IT Contractors are not the same, all Mortgage Brokers are not the same.
An initial Free conversation will determine what you require, which Lender can do it & how much work THAT Lender requires (some Lenders are a simple process, some others require War & Peace).
Fee Free is possible in Branch or by the mammoth organisations that process thousands of mortgage applications a week/month - You are a number. Also available to simple & uncomplicated cases such as, PAYE, no credit issues, no dependants or relationship issues etc etc.
If for example u need to use unguaranteed income to meet Affordability; You have Adverse Credit history, your wife/partner has Adverse Credit history, you have children, your wife/partner is not working or on maternity leave, you only want to apply in Sole name, the property is of non standard construction, you have less than 6 months remaining on current Contract or a host of other criteria, then The Broker will not earn sufficient money from the Mortgage Only.
L&C are very good at what they do, but I have salvaged to Mortgages for people Declined when using L&C - Saved one client £3K in the 2 year fixed rate period. - All IT Contractors are not the same, all Mortgage Brokers are not the same.
An initial Free conversation will determine what you require, which Lender can do it & how much work THAT Lender requires (some Lenders are a simple process, some others require War & Peace).
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