We'll help you choose the mortgage that works for you.
When looking for a new home, we understand that you need to quickly find out how much you can borrow and what your monthly repayments will be. But navigating the mortgage market is complicated and time-consuming, and can easily leave you feeling overwhelmed.
You shouldn't have to struggle to find the mortgage that's right for you. We know how daunting it can be to find the best rates and payment terms when you need to act quickly. That's why we start work straight away to find lenders that will approve your specific circumstances, and we guide you through all the options.
With our support, you won't need to suffer long call wait times and confusing conversations with banks. And you cut out the risk of going through a lengthy application process, only to find out you haven't been approved.
We complete the application forms and paperwork for you, making the whole process fast and straightforward. We even chase banks, estate agents and solicitors to make sure things stay on track.
Our customers regularly tell us how much they value our dedication, willingness to go the extra mile, and customer service. This is what sets us apart from other mortgage brokers. You can read our 5 star reviews here.
Get in touch now and we'll get to work on finding you the right loan, so you can make buying your ideal home a reality.
Bournemouth Mortgages offer specialist advice on:
5% deposits
Gifted deposits
Right to buy
Shared ownership
Porting your existing mortgage
What to expect when you get in touch
First step - We'll give you a free mortgage review.
The mortgage market is incredibly competitive and it can be hard to understand what exactly is on offer. There are many different providers and a wide range of products and rates available. We offer a free mortgage review where we check your credit file for eligibility and your finances to make sure you can afford a mortgage. We make a suitable recommendation, we will tell you which interest rate you’re likely to qualify for and any special features that come with the mortgage.
Next - We'll get your 'decision in principle'.
An agreement in principle will give you an idea about the size of mortgage you’re likely to be eligible for. It will also offer some reassurance that you’ll be able to buy a property, especially if you have any concerns about your credit record. All this information will help you search for a property in your price range.
The lender will use the information you supply to arrive at a figure that, ‘in principle’, it would be willing to lend to you. An agreement in principle will also give you credibility with estate agents and vendors. It shows you can potentially afford the properties you’re viewing and that you’re serious about buying.
Then - We'll complete your full mortgage application.
Once an offer has been accepted to purchase a property its time to apply for the mortgage. We handle all the paperwork, speak to the lender on your behalf and take care of any issues which may arise. The lender assesses the application and valuation is carried out on the property. The underwriter will then issue a mortgage offer.
We can also recommend a good Solicitor.
Having a good solicitor can make all the difference in your stress levels. After the mortgage offer has been issued you would be eager to move in and a solicitor makes all the difference in how long this will take. Contracts are exchanged and a completion date is set. The speed in which they carry out their checks varies. We can recommend good solicitors we have worked with in the past.