What happens next?
- We’ll contact you to arrange a convenient time to speak.
- We’ll ask about your circumstances, income and mortgage plans.
- We’ll explain your options clearly before you decide whether to proceed.
How a mortgage broker can help
A mortgage broker does more than search for a rate. The right advice can help you understand your borrowing position, prepare your application properly and avoid applying to a lender that may not fit your circumstances.
At Your Mortgage Expert, we take time to understand your situation before making recommendations. We look at your income, commitments, deposit, property plans and longer term goals, then help you review suitable options from a wide range of lenders.
We can also help explain the process in plain English, deal with lender questions, support your application and keep things moving from start to finish.
Why use a mortgage broker?
You get advice tailored to your circumstances
Every mortgage application is different. A lender will look at your income, credit history, deposit, spending, property type and overall affordability.
We help you understand how your circumstances may be viewed and which options may be suitable before you apply.
You can compare a wider range of options
Going directly to one lender only shows you that lender’s products and criteria. We compare options from a wide range of High Street and specialist lenders to help find a suitable route for your needs.
You save time and reduce stress
Mortgage applications can involve a lot of paperwork, questions and decisions. We help you understand what documents may be needed, submit the application and liaise with the lender where required.
You get help if your circumstances are not straightforward
Some applications need more preparation. This may include self employed income, variable pay, bonuses, fixed term contracts, complex income, credit issues or unusual property types.
We can help you understand what may be possible and how to present your case clearly.
Mortgage advice for different needs
First time buyer mortgage advice
Buying your first home can feel exciting, but it can also feel overwhelming. We can help you understand how much you may be able to borrow, what deposit you may need, what documents to prepare and how the mortgage process works.
We will explain each stage clearly so you know what to expect before making a full application.
Moving home mortgage advice
If you are moving home, you may need to decide whether to move your current mortgage, repay it, borrow more or apply for a new deal. We can help you review your options and understand the costs, borrowing position and timing involved.
Remortgage advice
If your current mortgage deal is coming to an end, we can help you review your options before you move onto your lender’s standard variable rate. We can compare remortgage options and also help you consider whether a product transfer with your current lender may be suitable.
Self employed mortgage advice
Self employed mortgage applications can involve extra questions around income, accounts and tax documents. We help sole traders, company directors, contractors and business owners understand how lenders may assess their income.
Complex income mortgage advice
If your income includes overtime, bonus, commission, multiple jobs, fixed term contracts or other income sources, different lenders may take different approaches. We help you understand which options may be available based on your circumstances.
Why choose Your Mortgage Expert?
Friendly, practical advice
We explain things clearly and take time to answer your questions. Our aim is to make the mortgage process feel more manageable.
Phone and video appointments across the UK
You do not need to visit our office. We can help by phone or video, wherever you are based in the UK.
Support from enquiry to completion
We do not just help you choose a mortgage. We can support you through the application, lender queries, offer stage and completion.
Impartial mortgage advice
We provide impartial mortgage advice and compare options from a wide range of lenders to help find a suitable option for your circumstances.
Highly rated by clients
Our clients value clear communication, friendly support and practical advice throughout the mortgage process.
How our mortgage advice process works
1. Initial chat
We start with a free initial conversation. This gives us a chance to understand what you want to do and gives you a chance to decide whether we are the right fit for you.
2. Fact find and documents
If you decide to proceed, we will gather more detail about your income, deposit, credit history, commitments and property plans. We will also let you know which documents may be needed.
3. Research and recommendation
We review suitable mortgage options from a wide range of lenders and explain our recommendation clearly.
4. Application support
We help prepare and submit the mortgage application and deal with lender questions where required.
5. Mortgage offer and completion
Once your mortgage offer is issued, we continue to support you through to completion and help with any questions along the way.
Ready to speak to a mortgage adviser?
Whether you are buying your first home, moving house, remortgaging, self employed or unsure where to start, we are here to help.
Book your free initial chat today and speak to a friendly member of the Your Mortgage Expert team.
You can also call us on 01722 322683.