Are you looking for a mortgage and hoping to talk to a real person? We work with a partner mortgage advisor who will help you navigate the current mortgage market so that you can find the best mortgage deal for your circumstances and mortgage needs.
Just to be crystal clear about what It’s My Money does not do:
We don’t give mortgage advice.
We don’t recommend or compare specific products for you.
We don’t arrange or manage your mortgage application.
All of that is done by the mortgage adviser or firm we introduce you to. They’ll be authorised and regulated, and they’ll explain their own service, fees (if any) and process so you can decide what is best for you.
We've collated the questions we're asked most often and given our views. If you'd like to talk to someone about your particular queries please click the link below to get in touch with our mortgage advisor partner.
In a word, yes. There are several advantages to using an independent mortgage advisor:
They have access to mortgage products you may not be able to find when searching directly.
They will be able to access and assess many more mortgage products than you could yourself, and will recommend the best product for your circumstances and aspirations.
Their livelihood depends on them doing a good job for their customers.
They’ll complete all the paperwork for you, saving you time. The best will also meet out of office hours to suit you so you don’t have to take time off work!
If your circumstances are not ideal they can help you get a mortgage. Customers with poorer credit ratings can benefit from the expert help of a mortgage advisor.
Buying your first home is exciting, and daunting! It is not a simple process and we would always recommend you employ a mortgage broker or advisor to support you through the process. They will be able to find the best possible mortgage product for you and your circumstances as they have access to many more mortgage providers and products than you could access yourself.
A good advisor will take time to explain the process and the information you need to provide. They will complete all the application forms for you, saving you time and be available to answer your questions. During the time you are working through a house purchase they will need to be a great support to you, so choose your advisor wisely.
A mortgage advisor could walk you through your options if you need to reduce your monthly mortgage payments. They would work with you to understand your current circumstances and provide you with re-mortgage options that could help. They may recommend considering an interest only mortgage, or extending your mortgage term. They may recommend switching to a different lender offering better interest rates and fixed perm offers. What ever your issue, don’t wait and worry. It’s better to act and get advice now.
Read more about your optionsMortgage advisors or brokers will charge you a fee for their help and support but a good advisor is worth their weight in gold!
Having someone who is working for you, there to help your purchase progress smoothly, can answer your questions, chase mortgage providers and solicitors and generally remove some of your stress is a valuable asset!
Of course not all mortgage advisors are the same so choose wisely! Our chosen mortgage advisor partners pride themselves on providing a bespoke service to each client and the quality of their service is reflected in their reviews.
Using an expert mortgage advisor could help you find the best possible re-mortgage product for your circumstances. You might be concerned about rising monthly repayments once your current fixed rate comes to an end, so discussing your options with a mortgage advisor could help you achieve a new mortgage that is affordable.
They should ask you about your current circumstances, earnings, credit rating, out-goings and financial commitments and help you to find the best possible deal. They’ll also be able to advise you on ways you could reduce repayments such as considering interest only mortgage options or extending your mortgage term. Speak to our mortgage advisor partner to get bespoke advice.