Rightmortgageadvice.co.uk; Expert, Independent Mortgage Advice
Rightmortgageadvice.co.uk; About us
We are an independent whole-of-market mortgage broker that has been helping customers across the whole of the UK since 2010.
Our focus is solely on mortgages and other secured finance. We won't overwhelm you with other products, but we also work with other firms specialising in mortgage protection and insurance who can advise you on these areas should you wish.
We have access to most of the lenders in the UK, and as mortgage advisors specialising in complex niches, we have the experience to help with most circumstances.
About our mortgage advice service
We help you find the lenders that can accept your circumstances and the product that best suits your objectives and then we arrange the mortgage for you from start to finish.
You will always deal with a single qualified mortgage advisor. We don't do chatbots or irritating call menus, but we do offer out-of-hours calls.
We handle all the application paperwork and liaise with the lender, estate agents and solicitors where required.
Normally, we will recommend the product that offers you the "best overall cost" and not just the lowest monthly payment.
All paperwork can be handled online, with no need to post formal documents like proof of identity.
Our systems are designed to consider your data security, we use encrypted sharing platforms instead of email to share documents, abstracting your personal data from our website.
Throughout the application, we will 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.
As an FCA-regulated mortgage advisor, our advice is covered by the Financial Services Compensation Scheme (the FSCS) and the Financial Ombudsman.
The benefits of using an independent mortgage broker
Buying a property is likely to be one of the most stressful events in your life. It's simply not worth jeopardising that process for the sake of a small advice fee.
Trying to navigate the huge amount of criteria (unique to each lender), in a timely manner, with products changing daily is a challenge even for a competent mortgage broker with many years of experience.
The biggest advantage in using a mortgage broker like ourselves is minimising the risk of problems, and ensuring the right lender is selected from the outset.
Taking away that stress whilst you deal with the mountain of legal paperwork, and the huge process of boxing up your entire life and moving it to a new home.
In some circumstances though, mortgage advice could prevent you from making a colossal financial error and there are some good examples of this on our blog.
Our mortgage advice fees and costs
We don’t charge any upfront fees for our mortgage advice service, there’s no cost for consultation and our fee is only paid if the lender agrees to the mortgage in full and makes a legally binding mortgage offer.
Our typical mortgage advice fee is £299 for purchases and fee-free for remortgages.
For applicants with very complex circumstances such as landlords with large portfolios, self-build applications, or for 3 to 4 applicants, we may need to agree on fees case by case, contact us for a quote.