Secure the right mortgage deal for your needs with expert guidance from Bespoke Home Finance. As an experienced mortgage finance broker, I offer personalised services and advice for a straightforward and stress-free mortgage process.
At Bespoke Home Finance, my mortgage advice service can truly help you with purchasing a property for the first time. I understand how stressful and complicated buying a new home and getting your first mortgage can be.
I also understand how exciting this is, as it is most likely something you have been working towards for a long time. I am here to help you by explaining everything that first-time buyers need to know when getting a mortgage.
I can guide you through every step of the mortgage application process, offering clear financial advice and mortgage solutions to help you buy your first property. It is my aim to streamline the back office process as much as possible to get you an offer on your mortgage in the quickest possible time.
As a highly trained and experienced mortgage expert, I can provide you with professional, affordable and reliable mortgage advice. I am constantly monitoring the mortgage market to ensure I find the most suitable mortgage rates for you.
Are you thinking of moving home? Perhaps you want to upgrade your lifestyle or need more space to start a family. Whatever your reason for moving, I can make the process a little easier with my expert mortgage advice service. This is a great opportunity to review your mortgage arrangements, so that I can find the right deal for you.
At Bespoke Home Finance, I take great pride in my work and always put my clients first. When searching for the right mortgage product, I make sure to consider specific details like your financial situation and long-term goals. This thorough, client-focused approach helps ensure you are always more than happy with the outcome.
You can rest assured that I will always provide you with honest information and transparent mortgage solutions. It is my passion as a mortgage advisor to assist you in finding the ideal mortgage deal for your needs.
There are many reasons why a homeowner would be interested in a remortgage. You may be trying to raise a large sum of money, consolidate your debts or pay for an extension to your existing home rather than having to move.
There are a few things to consider before remortgaging your home. For example, there may be a higher lending charge and penalties for leaving a mortgage before it comes to term. Luckily, you have us as mortgage experts to help you navigate this process.
As a mortgage and finance broker, I am here to offer expert advice and mortgage solutions. With my expertise and years of experience in the industry, I can secure better mortgage rates than most. Speak to me today for exclusive deals to help you refinance your home.
When considering a buy-to-let mortgage, there is a lot to take into account, especially if you plan on renting out the property to a third party. At Bespoke Home Finance, my mortgage advice service has been put in place to help you with this process.
I understand that this investment can make a huge difference to you and your family. That’s why I am here to help you with all the facts and information I have. Not only that, but you will be getting expert advice from a specialist mortgage broker with years of experience. I appreciate that everyone’s circumstances are different and aim to find you the most perfect deal possible.
Buy-to-let mortgages generally have between 1–2% higher interest rates than standard mortgage deals, and the minimum deposit required is around 20% of the loan value. It’s also worth taking into consideration the potential rental income as this can affect the amount certain lenders are prepared to offer.
Other restrictions from mortgage lenders may apply depending on if you are a UK resident, an existing home-owner or even if you are at the minimum age. You will, however, be eligible for a range of tax deductibles. For more information about my buy-to-let mortgage deals, speak to me today.
Take the next step in securing your mortgage with personalised advice and support from Bespoke Home Finance.
Get in touch today to discuss your unique needs.
Before committing to a mortgage, it is important to be as informed as possible.
Read our answers to some frequently asked questions below for more information about working with mortgage finance brokers.
It is important to ensure you are working with a reputable mortgage broker. To confirm a UK mortgage broker’s reputability, you can do the following.
FCA Registration: Verify that your mortgage broker is registered with the Financial Conduct Authority (FCA). You can check this online via the FCA’s Financial Services Register.
Client Reviews: Testimonials from previous clients can give you useful insight into a mortgage broker’s trustworthiness, quality of service and success rate.
There are several benefits to using a mortgage broker when accessing loans. Unlike banks, mortgage brokers:
Provide access to a wider range of mortgage options from multiple lenders
Increase your chances of better mortgage terms or interest rates
Can offer a more personalised and streamlined service
When working with a mortgage broker, you’ll need to provide several key personal documents. This allows them to evaluate your specific circumstances, so they can find the most suitable mortgage deal for you.
Some of the most common documents required include the following.
Personal identification, such as a scanned copy of your passport or driver’s licence
Proof of address, such as a recent utility bill
Bank statements from the previous 3 months
Proof of income, such as your monthly payslips
Please note that a lender may request additional information.
A mortgage broker’s payment is usually made up of a combination of borrower’s fees and commission from lenders. The amount they charge clients depends on various factors, such as:
Broker Expertise: Mortgage brokers with more years of experience often charge higher fees due to their expertise and specialised knowledge, which allows them to handle more difficult cases.
Loan Complexity: Complex loans require more time and effort, often resulting in higher fees. A loan may be considered complex based on factors like property type and the borrower’s financial situation.
An online mortgage calculator is designed to help estimate your monthly mortgage repayments based on variables like loan amounts and interest rates. This gives you an idea of what kind of mortgage you can afford. However, it’s easy to miscalculate mortgage amounts, and you should always confirm your results with a professional mortgage broker.
Reap the benefits of an exclusive mortgage deal with Bespoke Home Finance.
Contact me today to start your mortgage journey.
If you are looking for trustworthy and professional financial advice about mortgages, look no further than Bespoke Home Finance. Based in Scotland, I offer my mortgage advice services in Edinburgh, Glasgow, Scotland and all across the UK too!
Unlike some mortgage brokers that work for large firms and offer blanket solutions for all clients, I offer bespoke mortgage solutions tailored to your needs.
Furthermore, if you are looking to move or buy your first home, I am here to help you find exclusive deals within the UK market. Call us today on 0330 111 2477 or fill in the contact form below. I look forward to hearing from you.
As an experienced mortgage finance broker, I am here to help you achieve your financial goals. Let’s work together to find the right mortgage for your unique needs.
