Mortgage Advice UK

Everyone knows that moving house can be stressful, so you don't want burdened with worrying about whether you have the best mortgage deal as well.
Our team of mortgage advisors take the time to understand your needs and complete all the time consuming applications on your behalf. 

As mortgage brokers we’re able to advise you on mortgages from the whole market of mortgage lenders.

We can:
- Potentially save you money by accessing the best deals available on the market
- We work closely with you to find the right mortgage to suit your individual needs
- We work from a “whole of market” lending panel
- Save you time by not applying to lenders who will not lend to you

With literally thousands of different mortgages available on the market and a variety of mortgage repayment options on offer, you don’t have to stay with your existing lender forever. It is actually better to review your mortgage and its suitability to ensure you have the absolute best mortgage for your needs.

Speak to one of our advisors today so you can make that all important next move.

Applying for a remortgage could save you money. 

Many lenders have reduced their mortgage interest rates recently for both fixed and tracker products, a number of which are now offering rates lower than most lenders’ standard variable rates (SVR).

As a mortgage broker we search the whole market including both fixed and tracker products, to ensure we secure our customers the absolute best mortgage for their needs.

It is always a good idea to review your mortgage regularly to ensure you are on the best rate for your circumstances. There are many options currently on the market, including product transfers with your existing lender. These types of offer can often mean there are no upfront fees to pay.

We can take the hassle out of applying for a remortgage and save time by only applying to lenders who can offer you a mortgage. 

Please note: you may have to pay an early repayment charge to your existing lender if you remortgage.

Every penny counts when you are a landlord with buy-to-let properties.

Whether you are looking to complete your first buy-to-let purchase, or are well on your way to building a sizeable portfolio, at Mortgage Advice UK we understand that in any commercial enterprise every penny counts when you are trying to make a profit.

That’s why as a mortgage broker we provide you with your own dedicated mortgage advisor. Our advisors can offer specialist buy-to-let mortgage expertise to suit your circumstances and needs.

Your expert advisor will not only find you the ‘Best in Market’ mortgage, but will also complete all the paperwork for you, deal with the lenders, solicitors and surveyors throughout the process  saving you valuable time and money.

We have access to the whole mortgage market along with many exclusive low deposit buy-to-let deals with top High Street lenders.

We pride ourselves in our award winning levels of personal service, so contact us today to see how our mortgage advisors can help you realise your buy-to-let dreams.

NOTE: Not all Buy-to-Let mortgages are regulated by The Financial Conduct Authority.

Equity release allows you to release cash from your property without the upheaval or expense of moving home.

To be eligible for an equity release plan, you need to be a UK homeowner aged 55-95. The money you release can be spent in any way you like and there are typically no monthly repayments to make. There’s also no need to worry about the longer term: you can stay in your home for life, or until you decide you want to move or need to go into long term care.

There are the two main types of equity release plan:
Lifetime mortgage - you take out a loan secured on your property, and receive that amount as a tax-free lump sum. You do not usually make monthly repayments, instead, the interest is accrued with the loan plus interest being repaid after your death, or if you both move into long term care when the property is sold.

Home reversion plan - you sell all or part of your home in return for a tax-free lump sum and a guaranteed lifetime lease, with no monthly repayments to meet. After your death the house is sold, so the lender gets back its percentage share. (We do not provide home reversion plans at Mortgage Advice UK).

There are many equity release plans on the market, so it’s vitally important to seek expert advice. Our qualified mortgage advisors will compare the whole market to find the right deal for your circumstances.

NOTE: A lifetime mortgage is a long term commitment which could accumulate interest and is secured against your home. Equity release is not right for everyone and may reduce the value of your estate.

Offering expert financial advice is not just about securing the best mortgage. We always ensure we help you stay protected with the most appropriate protection so you can relax, safe and secure.

There are many types of protection to consider alongside your mortgage including:
- Life assurance 
- Critical Illness
- Income protection
- Buildings and contents insurance
- Life Assurance

Your mortgage is probably your largest financial commitment, it is vital that it is adequately protected so you can be confident that your mortgage is paid in full in the event or your death. This provides financial security for your loved ones when they need it most.

Critical Illness
Critical illness cover can provide you and your family with a lump sum if you die or are diagnosed with a critical illness, provided it is covered by your policy terms. This can help you adapt your home or ensure financial security for your loved ones.

Income Protection
If you find yourself incapacitated and unable to work due to illness or injury, income protection can provide you with a monthly sum to help cover your living expenses.

Buildings and contents insurance
Home insurance falls into two categories, buildings and contents which you can buy together or separately.

Contents insurance is optional, but your mortgage lender will normally insist that buildings insurance is in place as a condition of your loan.

Whatever your protection needs, our team of mortgage and protection advisors and insurance specialist will be able to assist you in making the right choices to ensure you have the right level of cover.

NOTE: As with all insurance policies, conditions and exclusions will apply.