Mortgage Brokers in Dorking
Whatever part of the UK you live in it’s important to get the right advice for your mortgage.
If you live in Dorking, or are moving into the area it can be helpful to work with a whole of market mortgage adviser who is nearby.
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Dorking is a market town in the county of Surrey, England and is located in the north-west of the borough of Mole Valley and is southeast of Guildford. Dorking has a population of around 20,000 people.
What is Dorking famous for?
Dorking has many notable residents. Thomas Burberry, the founder of the fashion house Burberry was born and raised in Dorking and actor Laurence Olivier, who was born in Dorking.
The town is surrounded on three sides by the North Downs, an Area of Outstanding Natural Beauty. Dorking is a popular destination for walkers and cyclists, with many routes through the countryside starting from the town centre. Several National Trust properties are close to Dorking, including Box Hill and Polesden Lacey.
Box Hill was also made famous as it hosted the 2012 Olympic cycling route.
Property in Dorking
Property in Dorking is highly sought after, as the town is situated in an area of natural beauty, with many amenities and attractions available nearby. Because of this property prices are higher than the UK average.
As Dorking is located within the M25, it has excellent transport links to London and the rest of the country. There are no less than three railway stations in Dorking, Dorking, Dorking West and Dorking Deepdene.
Will I need a mortgage broker?
Due to the property prices it is likely that most buyers will require a mortgage to finance their new home. While it is possible to approach a lender yourself for a mortgage, we would recommend using an experienced adviser to make sure your arrangement is as good as it can be.
What types of broker are there?
There are two types of broker that can help you with your mortgage:
- Whole of market mortgage brokers will have access to deals from across the market, meaning they are more likely to find a deal that meets your needs.
- Mortgage advisers who work for a particular lender can only offer you products from that one lender.
What does “whole of market” mean?
The mortgage market is made up of different types of lenders, including banks, building societies and specialist lenders. There are also a number of different types of mortgage product available, from fixed rate to variable rate deals.
An independent whole of market mortgage broker will have access to deals from across the market, meaning they are more likely to find a highly competitive mortgage that meets your needs.
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 Dorking, Woking, Guildford and Surrey.
What types of mortgage borrowers can a broker deal with?
Most mortgage brokers will be able to deal with a wide range of borrowers, from first-time buyers to those looking to remortgage their property
But brokers excel at helping borrowers whose circumstances are more complex, such as self-employed people or those with a bad credit history. This is because they have a good understanding of the different types of mortgage available and can access deals that aren’t available on the high street.
Why should anyone use a broker?
There are a number of reasons why you might want to use a mortgage broker:
- To save time: Researching the mortgage market can be time-consuming. A good broker will be able to quickly assess your circumstances and find a deal that meets your needs.
- To get expert advice: A broker will be able to advise you on the best mortgage for your circumstances and guide you through the application process.
- To access the whole market: As mentioned above, brokers have access to deals from across the market, meaning they are more likely to find a highly competitive mortgage that meets your needs.
- To boost your chances of getting approved: A broker will have a good understanding of the different types of mortgage available and can match you with a lender that is more likely to approve your application.
- To negotiate on your behalf: A good broker will be able to negotiate with lenders on your behalf to get you a better deal.
How do I find a good mortgage broker near Dorking?
As a minimum your chosen broker should:
- be fully qualified and experienced
- be independent with access to the whole market
- have helped other clients similar to your situation
Respect Mortgages can put you in touch with an award winning independent mortgage broker who helps borrowers all over the UK. With access to over 120 different lenders and specialists working across all mortgage types.
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.
Right to Buy
If you are a local authority tenant and want to buy the property you’re living in using the Right to Buy scheme, we can help you find the best mortgage deal.
Guarantor / JBSP
If you are struggling to qualify for the mortgage you need, or don’t have enough deposit, then perhaps a guarantor mortgage could help.
Just a small selection
of the 120 banks, building societies and specialist lenders that you could have access to.
Only an independent mortgage broker has the ability to search the whole of the market to get the best mortgage for their clients and their individual situation.
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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