Mortgage Assistants St Helens

We are Trustworthy, Reliable, Honest, Upfront

Giving you time back and taking away the stress of finding the right mortgage for you.

That’s our aim at Mortgage Assistants.

Ensuring that first-time buyers, those looking to re-mortgage, or for anyone adds to their buy to let portfolio, receive the best mortgage advice and mortgage deal available.

Working with independent, FCA-approved mortgage advisors throughout St Helens, you can be 100% confident that your mortgage advisor will search the market to find not only the best deals but the right deal for you.

We understand that everyone’s situation is different, and we know that everyone is different when it comes to property; that’s why we listen to the information you provide. We take time to weigh up your options and put you in contact with the right person to help you with the job.

To make sure you have the details you need to make the most informed decision for one of the biggest investments you manage, find an advisor in St Helens today using our FREE find an advisor tool.

Things to consider when thinking about a mortgage

The world of mortgages and finances can often be a minefield.

There’s a lot of going on. And a lot that must be considered and accounted for, especially linked with costs and fees.

That’s why it’s vital that you check your affordability levels right from the start. You must also look to include other associated costs such as:

  • Stamp duty
  • Conveyancing
  • Survey costs
  • Building and contents insurance
  • Life insurance
  • And more.

Guiding you throughout the mortgage application process, your mortgage advisor will be able to provide further details on each of these areas, as well as, in some instances, competitive quotes to help you with your affordability checks.

The mortgage process does vary from person to person and property to property. However, it is estimated that from the moment you receive your Decision in Principle, find your property, exchange contracts, and complete, you can have the keys to your new home anywhere from three to six months.

To make sure nothing is forgotten and providing you with peace of mind that all bases are covered, work with a mortgage advisor today.

Mortgage Brokers St Helens

Are you looking for the right mortgage advisor for you in the town of St Helens?

Someone who is a true professional and experienced in their field?

An advisor who can help increase your chances of securing a mortgage and getting the property of your dreams?

We have the right mortgage advisor ready and waiting for you.

Working with independent, FCA-approved mortgage brokers, we provide a matching service that is second to none. Find the right advisor for you who has access to the entire mortgage market instantly with our find an advisor tool.

Finding some of the best deals on mortgages in St Helens has never been easier.

Find an advisor today with Mortgage Assistant.

Our process

Our service to you is turned around in three simple steps:

  • What are you looking for? Let us know!
  • Working with the information you provide, we’ll use our expertise and knowledge and get to work finding an advisor that meets your requirements.
  • We’ll organise a call (free of charge) between you and your potential mortgage advisor so you can see if you would like to continue working together.

That’s it!

All that we ask from you in return is that if you work with one of our advisors, you let us know how you got on and the final outcome – we love a happy mortgage ending!

A mortgage is….

A mortgage is a sum of money that you have borrowed from an agreed lender to purchase a specific property – your home.

The final amount you pay back will depend on the deals you have secured, outlining the repayments, interest, and fees incurred.

Most mortgages span approximately 25 years; however, this can change depending on financial circumstances.

Mortgage deals within this period typically cover 2 to 5 years, allowing you to look and switch to better deals as time goes on.

A product of the industrial revolution and a large town in Merseyside, finding the best mortgages St Helens has to offer is made much easier with a professional, experienced, and independent advisor.

What your mortgage advisor will need from you

To support your mortgage application and indeed get your Decision in Principle agreed, you will need to provide:

  • Your last three months’ wage slips.
  • Proof of the deposit you will be paying upfront.
  • Information relating to your disposable income.
  • Credit Scores.
  • Any other relevant information.

Note: To support your application and check affordability eligibility, use our FREE mortgage calculator HERE to help.

It is also worth noting that providing details of your credit report and credit score can and will help support your mortgage application. To help improve your credit rating, you can:

  • Ensure your contact details are correct and up to date.
  • You pay your credit cards on time (making early payments where you can).
  • You keep up with any regular payments and avoid defaulting and late payment fees.
  • Ensure you’re registered on the Electoral roll.

Your mortgage broker will work with you throughout this process and provide information and guidance on all of these areas.

Helping to paint you in the best picture possible to lenders can increase your chances of receiving some of the best mortgage deals around.

Mortgage termsknow your stuff

Comparing and unearthing the best mortgage deals in St Helens is part of the role of your mortgage advisor.

They know what they’re looking for, and they have experience working with a range of mortgage applications and financial situations.

However, it’s also important that you also understand what you want and what your ideal situation would be.

The term of a mortgage is typically around 25 years. Some homeowners will look, throughout their lifetime, to change this, reducing the term and increasing the monthly payments so the mortgage is paid off faster and you own the home outright. Others may look to increase the term and reduce their monthly expense as this fits better with their lifestyle and current situation.

Ultimately, the choice is yours. Speaking with your mortgage broker will help you to clarify the route that is best for you.

It will also be prudent to discuss with your advisor the options of fixed or variable rate deals.

Is the best deal with flexibility the preferred choice compared to stability?

Mortgage deals vary in the length of their term, allowing you the flexibility to switch and change to better, more suitable deals throughout the lifetime of your mortgage.

To find out more and work with some of the most experienced, independent mortgage brokers in St Helens.

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