~ Mortgage Congleton ~ Mortgages Cheshire ~ Home Insurance Cheshire ~

Mortgage Expression
   
 
 

FAQ

Q. I don't know which mortgage to choose, how do I get advice?
A. Phone today and speak to one of our qualified mortgage advisers who can provide you with impartial mortgage advice on the mortgage that is best suited to your needs. Or you can complete the Contact Enquiry Form and we can call you at a time that is convenient to you.

Q. Are you tied to a particular lender?
A. No. We offer impartial mortgage advice on products from lenders that cover the whole of market.

Q. Is the service confidential?
A. The service we provide is completely confidential.

Q. How much can I borrow?
A. This will depend on a number of factors including:- Whether you are a first-time buyer or a home-mover; Whether you can put down a deposit and the size of your deposit; Whether you are borrowing on your own or with someone else; How much you earn; Your monthly financial commitments; Past credit history. However, for an estimate you can use our Mortgage Calculator. This will give you a rough idea of how much you may be able to borrow.

Q. What can I do about losing my job ?
A. By using Mortgage Payment Protection Insurance it is possible to protect your monthly mortgage payment for a period of time. This usually costs around £4 per month per £100 monthly cover. You cannot be covered if you are already aware of redundancy. Ask for advice, as there also rules about new policies and waiting time before a claim can be made.

Q. What happens if my circumstances change?
A. It is possible that your circumstances may change and this may result in you having different financial priorities and needs. If your mortgage needs change, call one of our qualified mortgage advisers, who will be happy to help you where they can. If you experience any problems making your mortgage repayments it is highly recommended that you contact your mortgage lender immediately.

Q. Do I have to pay money upfront ?
A. No, we never charge upfront fees. With some lenders it is necessary to pay a valuation fee at the start of an application although we often manage to secure products with free valuation and free legals”

Q. Do I have to come to your office ?
A. No, never. We usually visit you in your own home at a time to suit you. Sometimes it is more convenient to do the paperwork through the post.

Q. Do you offer ongoing advice ?
A. Yes, most definitely. We hope and expect that we will be supplying ongoing advice for years to come.


To find out more about how we may be able to help you, call us on 01477 534410 or fill in an enquiry form.

  
     
 

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK

Mortgage Expression is an Appointed Representative of Pink Home Loans. Pink Home Loans is a trading name of Advance Mortgage Funding Limited which is authorised and regulated by the Financial Services Authority

You can choose how we are paid. Pay a 1% fee of the loan amount on completion of the loan and we will refund to you any fee paid by the lender. Or we can accept commission from the lender and in addition we may charge you a broker fee that is payable on completion - this is dependent on your circumstances but we estimate that it will be £299 although it may range from £99 to £999. We do not charge upfront fees for our advice.

There will be a fee for mortgage advice on Equity Release. The precise amount will depend upon your circumstances but we estimate that it will be £799.