Rightmortgageadvice.co.uk –Expert, independent mortgage advice
Since 2010 we have been helping clients from all over the UK and abroad to arrange the right mortgage whatever the situation.
We're whole of market independent mortgage brokers with access to well over 70 lenders from the largest high street banks, building societies, & specialist providers to boutique private banks and regional building societies.
You'll deal with one person through the whole of your application, always a qualified mortgage advisor and always someone who's completely invested in making sure you get the right outcome – we won't earn a penny if your mortgage application does not proceed to a full offer.
And we're no technological relic. We can deal with you entirely over the phone if desired and sharing all necessary documents digitally over password protected encrypted systems. No need to post out your ID documents or valuable items. Unless you prefer to do things by post.
We won't overload you with ancillary services and you will never be "upsold". We only advise on mortgages or other secured loans, and protection products that directly apply to them if you want to discuss this.
Your personal privacy is paramount to us. We don't share your information for marketing, and it is always strictly confidential except where required by law which is basically when dealing with regulatory bodies and fraud prevention agencies.
And we take calls out of business hours, making sure our service meets the needs of the modern professional whose job also definitely isn't nine to five.
About our mortgage advice service
We help you find the lenders that can accept your circumstances and the products that will best suit your objectives and then we arrange the mortgage loan for you from start to finish.
Starting with a short two-page form, followed by a call to finish fact finding & discuss the options you have that are best talked through with a real mortgage advisor rather than a chatbot. From there we will send out illustrations for products we recommend and can arrange a decision in principle for you.
Next we then arrange the mortgage or loan for you, dealing with all the paperwork and communications with the lender until the application is agreed and a full offer produced. At that point you move onto the legal process if this has not already begun.
We normally recommend the product that will give you best overall value for money once all arrangement costs, fees, and the interest have been taken into account; we don’t just recommend the lowest rates or the ones with the lowest fees unless your requirements have a valid reason for doing so.
Throughout the application we will be on hand to help you understand the tricks of the trade that can speed up the process like personal searches, or search indemnity and how to minimise delays that arise during the legal process.
We can also help you with understanding and arranging protection for your mortgage like life cover or income protection; but there is never any obligation to arrange such products through us and they are rarely a requirement of the lender.
None of the money involved in the transaction is actually handled by us, we simply handle the administration of the mortgage application up to the offer stage, and the deposit, fees and the mortgage advance will all be handled by your solicitor and or lender so there is no direct financial risk involved in our service.
We are covered by the financial services compensations scheme and financial ombudsman service for all residential mortgages.
We’ll also be on hand to make sure the rest of the process goes smoothly, helping you iron out delays and issues at the legal end which cause an application to get to bogged down.
Our mortgage advice fees and charges
We don’t charge any upfront fees for our mortgage advice, there’s no cost for consultation and our fees are only paid if the lender agrees the mortgage in full and makes a binding mortgage offer.
Our usual mortgage advice fee is £299 paid at full offer. This is the stage when a full application has been submitted and approved (not a decision or agreement in principle). That means the lender will have valued the property, assessed all your relevant documentation and made a binding agreement to lend.
In some cases, for applicants with very complex circumstances such as landlords with very large portfolios we may need to agree case by case fees and charges, but these will always be agreed with you at our initial consultation and there would be no obligation to proceed.
Any fees will also be detailed in the illustrations we provide you prior to application, so you will be made fully aware of anything to be charged by us or the lender prior to proceeding.