Mohammed Bishal

Why use us?An important thing to understand is that when you receive mortgage advice, your mortgage broker has a duty of care to you. They have to recommend a suitable mortgage and be able to justify why the particular mortgage they have chosen is right for you. If their advice is not up to scratch you can complain and be compensated. In contrast, if you go directly to a high street mortgage lender, dont take advice, and then end up with a mortgage that later becomes unaffordable, youve only yourself to blame. A mortgage broker is qualified Theres an awful lot to choosing the right mortgage. Its not as simple as just the cheapest fixed or tracker rate mortgage you can find Mortgage brokers have to be qualified to give you mortgage advice a lot of call centre and branch staff arent qualified to give advice. That said the branch will often be able to arrange an appointment with one of their mortgage advisers. We are on your side An independent mortgage broker will look for the best mortgage for you. They arent on the lenders side, theyre on yours We know the industry Mortgage criteria has tightened massively over the past few months, never mind years. But a mortgage broker deals with lenders on a day-to-day basis. They know which lenders can process your application without unnecessary delays. They also know the background criteria that a lender has and can bring this experience to bear when advising you and processing your application. Because a mortgage broker might put a lot of business to a particular lender in a year, they can exert influence and chase things in a way you just cant do by yourself. Its not just about the mortgage A mortgage broker wont just advise you about your mortgage. They will also look at any related life insurance, payment protection and even buildings and contents insurance you have. They will recommend insurance based on your new mortgage arrangements to make sure you are fully protected in the event of: Death Critical illness (such as cancer, heart attack or stroke) Redundancy Eunisure Financial Limited is an appointed representative of Intrinsic Mortgage Planning Limited, which is authorised and regulated by the Financial Conduct Authority. Intrinsic Mortgage Planning Limited are entered on the FCA register (http://www.fca.org.uk/register/) under reference 440718. Your home may be repossessed if you do not keep up repayments on your mortgage. Some buy to let mortgages are not regulated by the Financial Conduct Authority