When you are looking for a new mortgage or a re-mortgage we all have one thing in common which is to get the best mortgage for our needs but how do we do this and how do we know it is the best mortgage deal.
For some people they are looking to get the best fixed rate mortgage others want to get the best mortgage for self employed and others simply want the best mortgage deals in 2014 whatever your circumstances following these simple steps will ensure you get the best deal possible.
First thing to do is go online and find the best mortgage calculator or a website like https://90mortgagesuk.co.uk which has one for you to use free of charge and enter your details in to the calculator and it will then bring a list of the best mortgages available for your specific needs. Print this list so you have it to hand as you may need it depending on what you want to do next.
If after using the mortgage calculator you are confident enough to proceed by yourself then contact the lender that is offering the best mortgage deal and proceed to your mortgage application where possible. This is only recommended if you have adequate experience in the mortgage market and many lenders will not offer a mortgage on an execution only basis so even if you wish to proceed by yourself you may find this is not possible and have to take advice from the mortgage company representative.
By doing this you are narrowing down your alternatives as the Lenders advisor will be tied to them specifically and not be able to offer you advice on other mortgages in the market. Generally it will not save you any money because many mortgage advisors in 2014 do not charge fees for arranging your mortgage so you are better off getting advice from a mortgage advisor although it is still important to use the best mortgage calculator online and use this to discuss your needs with the mortgage broker.
The alternative is obviously using a mortgage advisor who will discuss all your details and then advise you what is your best mortgage options at this time. Discuss with them your best mortgage deals that you got online as they should have a similar table to what you have or even may have found better offers exclusive to them.
Whatever you can be assured you will get the best mortgage deal in 2014 to meet your needs.
Don’t be put off by the questions the mortgage broker will ask you during the process as these are all needed so he can comply with the FCA guidelines on mortgage advice and the lender will want a copy of most of them anyway to assess your mortgage application in full.
Finally remember mortgage deals can change several times a day so what you see now may change in the next few hours and lenders change their mortgage deals regularly so if you see a deal you really want it is always advisable to get an appointment with a mortgage advisor as soon as possible.
If you are looking to speak with a mortgage advisor then why not give Premier Mortgage Club a ring on 0845 217 1577 local rate their friendly staff are sure to help you as quickly as possible.