Expert Mortgages

Expert Mortgages operates as a local mortgage broker, providing services to clients seeking property financing. The firm maintains a base in Royston and its surrounding regions, extending its reach with brokers operating across the country. The company's central mission involves assisting individuals in securing the appropriate mortgage for their specific needs. Expert Mortgages is dedicated to offering valuable advice, which is specifically designed to suit the personal circumstances of each client.

Beyond mortgage advice, the firm also provides a comprehensive selection of lifestyle and income protection cover, intended to safeguard clients from unforeseen events and provide financial security. The advisers at Expert Mortgages possess considerable experience across all facets of property-related lending. This expertise encompasses assisting first-time buyers, defined as individuals who have never previously owned a residential property and intend to use it as their primary residence. For those moving home, the company offers support in determining what they can afford and exploring the various mortgage options available for their next property acquisition.

Clients seeking to remortgage their current homes, particularly when their existing mortgage deal is approaching its conclusion, can also benefit from the firm's guidance. Additionally, Expert Mortgages provides support for individuals looking to initiate or expand their buy-to-let property portfolio, offering assistance with financing these investments and navigating the complexities of property investment. Expert Mortgages distinguishes itself through a client-centric approach, where the personal circumstances of each individual are thoroughly considered to provide tailored and effective advice. The firm's commitment extends to offering a full range of lifestyle and income protection cover, designed to provide security and protection against unexpected life events, ensuring clients are prepared for various eventualities.

To facilitate the mortgage application and planning process, the company makes various mortgage tools accessible to its clients. These resources include the option to obtain a Mortgage in Principle, which serves as an indicator of the potential lending amount from a mortgage provider, aiding in early financial planning. Furthermore, a suite of helpful mortgage calculators is available, enabling clients to gain a clearer understanding of their financial capacity and affordability before committing to a mortgage. Expert Mortgages operates with transparency, informing clients about the critical aspect that their home may be repossessed if mortgage repayments are not maintained.

The provision of mortgage advice by the firm may incur a fee, the specific amount of which is determined by the individual client's circumstances. 3% of the borrowed sum, providing clarity on potential costs. The firm's core services are centered on general property lending, including residential mortgages for first-time buyers, homemovers, and remortgaging, alongside support for buy-to-let investments. Expert Mortgages does not specifically highlight services related to Purpose-Built Student Accommodation (PBSA) as a dedicated area of focus, concentrating instead on a broad spectrum of property-related lending needs.