Mortgage Brokers in Dartford
Whatever part of the UK you live in it’s important to get the right advice for your mortgage.
If you live in Dartford, or are moving into the area it can be helpful to work with a whole of market mortgage adviser who is nearby.
Mortgage brokers are an important part of the UK housing market, and Dartford is no exception.
Dartford is a town in Kent, England. It is situated on the River Darent, and has a population of around 100,000 people. The town is located just outside of London, and is a popular commuter town.
The much used Dartford Crossing connects Dartford with Thurrock in Essex. The town has good transport links, being served by two railway stations and also having easy access to the M25 motorway.
What is the property market in Dartford like?
The town has a mix of old and new properties, as well as a variety of different housing options. There are many estate agents in Dartford, so finding the right one to help with your property search should not be difficult.
The rental market here is still strong and consequently it is still popular with property investors and landlords.
What does a mortgage broker do?
A mortgage broker is a professional who helps people to find the best mortgage deal for their needs. They will work with a variety of different lenders in order to find the best deal for their client.
A good broker will be able to advise on the different types of mortgages available, and help to find the right one for their client’s needs. They will also be able to negotiate with lenders on their behalf.
What types of mortgage can a broker deal with?
There are many different types of mortgage available in the UK, and a broker can help with all of them. The most common types of mortgage are fixed rate mortgages, variable rate mortgages, and tracker mortgages.
The most popular, a fixed rate mortgage, is where the interest rate is set for a certain period of time, usually between two and five years.
Respect Mortgages works with one of the largest and most respected independent mortgage brokers. They have been in business for over 45 years and have qualified advisers all over the UK, including Dartford and the surrounding Kent towns of Bexleyheath, Bromley and Canterbury.
What lenders would an independent broker have access to?
An independent mortgage broker will have access to a wide variety of different lenders. This means that they can find the best deal for their client, and also offer impartial advice.
Some of the most popular lenders in the UK include Halifax, Nationwide, Barclays, and HSBC.
You will find that there are quite a few lenders that only deal with brokers and therefore have no need for a presence on the high street. These are particularly useful for buy to let mortgages, holiday cottage mortgages and borrowers who have poor credit or maybe complex sources of income.
Do brokers need to have a special qualification?
All mortgage brokers in the UK must be qualified. The main qualification is the CeMAP (Certificate in Mortgage Advice and Practice). This is a nationally recognised qualification. In addition they need to be approved and registered with the FCA.
How do you choose the right adviser?
When looking for a mortgage broker, it is important to choose someone who is qualified and experienced. It is also a good idea to use a whole of market independent broker, who will have access to the widest range of lenders.
It is also important to make sure that you feel comfortable with your broker, and that they are able to understand your needs.
A wide range of mortgage options
LOOKING AFTER YOUR BORROWING NEEDS
Buy to let
Competitive buy to let mortgages that include options for SPV borrowing, purchase, remortgage or capital raise.
Holiday Let
Specialist advice for UK holiday let mortgages including Furnished Holiday Lets, Airbnb and mixed use properties. Solutions for purchase, remortgage and develop.
Moving Home
Take the stress out of finding a moving home mortgage by letting our brokers arrange that for you.
Second Homes
A second home mortgage will allow you to purchase a UK holiday home for you and your family to enjoy.
Remortgages
Time to remortgage? Switch your mortgage to a new lender and grab yourself a new interest rate at the same time.
First Time Buyer
All the help you need getting onto the property ladder and buying your first home. Including a cracking mortgage deal, sourced just for you.
Equity Release
An equity release lifetime mortgage can provide a tax-free lump sum or ongoing sums of money that you can spend however you wish.
Specialist Mortgages
Multiple streams of income, employment status, size of mortgage or perhaps an unusual property? Let’s get to work…
Mortgage Guides
Our mortgage guides will help you understand and compare different mortgage products whether you’re starting out, moving, remortgaging or buying to let.
Insurance
Making sure you, your home and your mortgage are protected against the unexpected.
Mortgage Calculators
Our easy to use mortgage calculators can help you at every stage of your mortgage journey. From working out what you could borrow to calculating the Stamp Duty.
SPV Mortgages
Rather than buying an investment property in their own name, many investors are now choosing to do this through a Special Purpose Vehicle limited company, or SPV.
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