These days, it’s very easy to apply for a mortgage. You can drop into a high street lender, or hunt around on a comparison site, and start your application online.
But it is also very easy to apply for the wrong mortgage, wasting your valuable time – and even running the risk of missing out on the home you want.
At Continuum we have a better solution.
Talk to a Continuum mortgage adviser
The DIY approach can leave what is probably your biggest ever financial commitment to chance. The risk is that you will not get the mortgage that is right for your particular circumstances and potentially leave you paying more than you actually need to every month for the next 35 or so years.
If you go direct to a lender, they may well discuss your needs and circumstances, and try and find the mortgage that is best for you – but they will only ever be able to help you choose from their own products.
Talk to a Continuum mortgage adviser, and things are rather different. They will also look at your financial circumstances in detail – but at the end of the process, they will be able to search all the mortgage products on the market, to find the one that is most appropriate for you.
This can be even more valuable than it sounds. There are many lenders and many mortgage products that are not advertised to the general public, and only available through mortgage brokers.
Among them may be the mortgage that is right for you. Coming to Continuum to get an expert to find the mortgage that really is suitable for you could save you a great deal of money. But the advantages don’t stop there.
Your adviser can find you a sympathetic lender
At Continuum, we have an intimate knowledge of which lenders are happy to provide mortgages for specific types of circumstances and situations. For example, some mortgage lenders will not accept properties that have a thatched roof or are of an unusual construction type. Others may not accept applications from people with settled CCJs. Some will have different criteria if you are self-employed or in a probationary period at work.
If you are planning to become a buy-to-let landlord we can help find those lenders best positioned to help. We know those that can accept larger portfolios, and houses of multiple occupation.
We can even help you find development funding, with specialist products like self-build mortgages if you are ready to build the home of your dreams.
When you need to act fast
Many lenders can take weeks or months to process an application, and there are many circumstances where you might want to move quickly – or need to draw down funds quickly to secure a property deal. We can streamline the application process, using our knowledge of those lenders who can make a decision, and endeavour to make funds available in the shortest possible time.
Help with the application
Applying for a mortgage can be a long and difficult process with many lenders. There will inevitably be lengthy forms to fill in, documents to find, and questions to answer.
Your Continuum adviser can help. For example, they know exactly what each lender will require from you before you apply reducing the time wasted going back and forth with new requests for information. We have dedicated contacts with many mortgage lenders, meaning your advisor has a direct route to help progress your mortgage application, and deal with any problems that arise.
Start looking for a better mortgage
When you come to Continuum for advice about your mortgage, we have a duty of care to you. Your adviser must recommend a suitable mortgage and be able to justify why the product they have chosen is right for you.
That means you can have complete peace of mind when you come to us. Finding a better mortgage – one that may cost you less, is easier to arrange and a better fit for you and your property purchase plans really are easier with some help from a Continuum expert.
The information contained in this article is based on the opinion of Continuum and does not constitute financial advice or a recommendation to suitable mortgage product, you should seek independent financial advice before embarking on any course of action.
Your home or property may be repossessed if you do not keep up repayments on your mortgage.
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Our services at Continuum are delivered by some of the most qualified advisers in the UK, to create the ultimate client experience.