Mostrando entradas con la etiqueta mortgage brokers. Mostrar todas las entradas
Mostrando entradas con la etiqueta mortgage brokers. Mostrar todas las entradas
martes, 28 de agosto de 2012
Mortgage advice: Renting vs. Buying | mmibrokers.com
great advice from the U.K.'s number one mortgage brokers
viernes, 17 de agosto de 2012
martes, 14 de agosto de 2012
martes, 17 de abril de 2012
jueves, 16 de febrero de 2012
Mortgage rates UK
UK Mortgage rates
mortgage rates in the UK have been rising over the last few weeks here in the UK, a number of lenders have re released their UK mortgage rates for both purchase first time buyers and remortgages alike. Most mortgage lenders have adjusted the fixed rates and tracker rate ranges however there are still some great mortgage rates available if you speak to one of our expert advisors here at MMI Brokers where you may be able to beat the rate increases.
So weather you are employed or self employed we can help find the best mortgage deal for your circumstances. Buy to let rates are currently stable but what you need to avoid is the high arrangement fees currently being charged so to help you through the buy to let minefield call us today for details.
If you have a number of unsecured debts like loans and credit cards then do not despair because we may be able to help you consolidate unsecured debt into a mortgage and therefore into a much lower mortgage interest rate possibly saving you thousands of pounds in interest payments.
If you cant get a mortgage through the usual sources for example high street lenders for whatever reason weather its a low credit score or CCJ’s or defaults then call us today and speak to a mortgage advisor here today to help as we have a number of mortgage lenders who can accept borrowers with a less than perfect credit history.
So for the best mortgage rates UK speak to one of our expert mortgage advisors today to find out what the best mortgage deal is for you, we are a UK whole of market mortgage broker so we know all the deals that are available on the high street and through specialist lenders.
mortgage rates in the UK have been rising over the last few weeks here in the UK, a number of lenders have re released their UK mortgage rates for both purchase first time buyers and remortgages alike. Most mortgage lenders have adjusted the fixed rates and tracker rate ranges however there are still some great mortgage rates available if you speak to one of our expert advisors here at MMI Brokers where you may be able to beat the rate increases.
So weather you are employed or self employed we can help find the best mortgage deal for your circumstances. Buy to let rates are currently stable but what you need to avoid is the high arrangement fees currently being charged so to help you through the buy to let minefield call us today for details.
If you have a number of unsecured debts like loans and credit cards then do not despair because we may be able to help you consolidate unsecured debt into a mortgage and therefore into a much lower mortgage interest rate possibly saving you thousands of pounds in interest payments.
If you cant get a mortgage through the usual sources for example high street lenders for whatever reason weather its a low credit score or CCJ’s or defaults then call us today and speak to a mortgage advisor here today to help as we have a number of mortgage lenders who can accept borrowers with a less than perfect credit history.
So for the best mortgage rates UK speak to one of our expert mortgage advisors today to find out what the best mortgage deal is for you, we are a UK whole of market mortgage broker so we know all the deals that are available on the high street and through specialist lenders.
lunes, 13 de febrero de 2012
Mortgage brokers
Mortgage brokers
house prices are 1.8% lower than the were a year 2011, so it seems this may be a good time to get into the market i.e. a buyers market, as prospectors have announced that the market over the coming year 2012 will more than likely not see very much of a change. Of status depends on the European debt crisis. Speculators are still not quite sure how the Eurozone will affect the UK housing market if the UK can avoid a pronged recession we expect stability in the hosting market in 2012 says chief economic analyser at Halifax hosting economic’s as the value of the average home in the UK today is very similar to the value of the middle of 2011 this indeed has held growth to the law level of interest rates.
It looks like house prices are being held artificially high at the moment by some factors, one being an extreme lack of house is for sale, and a historically low interest rate. Specialists from the Halifax group have speculated that the house prices from the North South divide will be hit the hardest where the economy is feeling it the hardest.
Mortgage broker, i need a mortgage
Mortgage brokers are telling new borrowers to expect mortgage rates to fluctuate in the months to come, as a number of major high Street lenders have increased the costs of their mortgages to first-time buyers. Mortgage brokers believe that the increased activity is because ebb and flow in the mortgage market. The first three months of 2012 as lenders are slightly concerned about the cost of lending in this current claim ,as we have seen in the last few days a couple of the lenders have raced their mortgage rates by up to 0.3 percentage points.
It seems that house prices fail in the first three months of 2011 when compared with the first three months of 2010. Speculators have stated that the fiest three months on three months comparison is is often known to be the best measurement of conditions in the housing market as last week’s survey from nationwide building society valued the average British home at £162,000 meaning houses fell by 0.2% this compared with December of the following year.The year on year measurement is calculated in a different way by Halifax and nationwide tend to measure the market slightly different, creating to different results the Halifax compares the previous three months with the same three months a year earlier to give a smoother comp are since rather than a direct comparisons of the equivalent months.
house prices are 1.8% lower than the were a year 2011, so it seems this may be a good time to get into the market i.e. a buyers market, as prospectors have announced that the market over the coming year 2012 will more than likely not see very much of a change. Of status depends on the European debt crisis. Speculators are still not quite sure how the Eurozone will affect the UK housing market if the UK can avoid a pronged recession we expect stability in the hosting market in 2012 says chief economic analyser at Halifax hosting economic’s as the value of the average home in the UK today is very similar to the value of the middle of 2011 this indeed has held growth to the law level of interest rates.
It looks like house prices are being held artificially high at the moment by some factors, one being an extreme lack of house is for sale, and a historically low interest rate. Specialists from the Halifax group have speculated that the house prices from the North South divide will be hit the hardest where the economy is feeling it the hardest.
Mortgage broker, i need a mortgage
Mortgage brokers are telling new borrowers to expect mortgage rates to fluctuate in the months to come, as a number of major high Street lenders have increased the costs of their mortgages to first-time buyers. Mortgage brokers believe that the increased activity is because ebb and flow in the mortgage market. The first three months of 2012 as lenders are slightly concerned about the cost of lending in this current claim ,as we have seen in the last few days a couple of the lenders have raced their mortgage rates by up to 0.3 percentage points.
It seems that house prices fail in the first three months of 2011 when compared with the first three months of 2010. Speculators have stated that the fiest three months on three months comparison is is often known to be the best measurement of conditions in the housing market as last week’s survey from nationwide building society valued the average British home at £162,000 meaning houses fell by 0.2% this compared with December of the following year.The year on year measurement is calculated in a different way by Halifax and nationwide tend to measure the market slightly different, creating to different results the Halifax compares the previous three months with the same three months a year earlier to give a smoother comp are since rather than a direct comparisons of the equivalent months.
miércoles, 25 de enero de 2012
cant get a mortgage?
cant get a mortgage
If you have been refused a mortgage by your bank, building society or any other high street lender then its not the end of the process or indeed the world. you may not know that your bank or building society has a very restricted criteria when it comes to offering mortgages to their clients, for example you may be self employed and bank with one of the main high street lenders, they will no doubt ask for 3 years accounts and then the will only lend 3 times your income which doesn't help a lot of people in today's market. the answer is to speak to one of our mortgage advisors here at mmi brokers who will offer you the best mortgage rates available to your specific situation. You may have only 1 years accounts as a self employed person, then we can help, or you may be looking for 5 times your income and your bank lends 3 or 3.5 times. How do you know you are getting the best deal for your circumstances if you are only talking to your own bank. Your bank will be regulated by the financial services authority to give advice on their own products and if you read the small print it will say “there may be other mortgages available which would be better for you however we only advise on products we offer” so you are not getting the best advice without speaking to a whole of market mortgage broker.
People cant get a mortgage for a number of reasons including, less than perfect credit history, income not sufficient, low credit score, non UK national mortgage, non standard property construction, only 1 years accounts available, ex council property, right to buy mortgage, the list goes on, therefore if you cant get a mortgage with your bank or building society then call and speak to one of our expert mortgage brokers today and find the best mortgage rates uk.
If you have been refused a mortgage by your bank, building society or any other high street lender then its not the end of the process or indeed the world. you may not know that your bank or building society has a very restricted criteria when it comes to offering mortgages to their clients, for example you may be self employed and bank with one of the main high street lenders, they will no doubt ask for 3 years accounts and then the will only lend 3 times your income which doesn't help a lot of people in today's market. the answer is to speak to one of our mortgage advisors here at mmi brokers who will offer you the best mortgage rates available to your specific situation. You may have only 1 years accounts as a self employed person, then we can help, or you may be looking for 5 times your income and your bank lends 3 or 3.5 times. How do you know you are getting the best deal for your circumstances if you are only talking to your own bank. Your bank will be regulated by the financial services authority to give advice on their own products and if you read the small print it will say “there may be other mortgages available which would be better for you however we only advise on products we offer” so you are not getting the best advice without speaking to a whole of market mortgage broker.
People cant get a mortgage for a number of reasons including, less than perfect credit history, income not sufficient, low credit score, non UK national mortgage, non standard property construction, only 1 years accounts available, ex council property, right to buy mortgage, the list goes on, therefore if you cant get a mortgage with your bank or building society then call and speak to one of our expert mortgage brokers today and find the best mortgage rates uk.
martes, 17 de enero de 2012
Re-mortgage rates
Remortgage rates
Remortgage rates UK are very low at the moment compared to the average over the past 10 years. The reason for this is because of the low bank of England base rate. The remortgage deals are available to all homeowners with or without a current mortgage subject to status.
Remortgage rates currently start from around 2.19%, and these remortgage deals are available if you are looking for a better rate or maybe you are looking to raise some capital in order to do some much needed home improvements or you need to reduce your monthly outgoing by consolidating some unsecured credit cards and loans. If you currently have a mortgage and would like to review your options, then call today and speak to one of our mortgage brokers to find out what is the best remortgage rate for you.
Mortgage lenders often offer free valuations and free legals with their remortgage deals, therefore this will help keep the costs to a minimum when it comes to your remortgage. Often the whole remortgage transaction can be completed within 2 to 3 weeks from start to finish with minimum referencing required by the underwriter.
If you have a guarantor mortgage it may be time to look at a new remortgage rate because you may be able to remove the guarantor liability and get a much better mortgage rate, this would of coarse depend on your circumstances having changed since the guarantor mortgage was set up.
No matter what your circumstances, call and speak to one of our expert mortgage brokers today to find out if a new re mortgage rates uk would be right for you.
Remortgage rates UK are very low at the moment compared to the average over the past 10 years. The reason for this is because of the low bank of England base rate. The remortgage deals are available to all homeowners with or without a current mortgage subject to status.
Remortgage rates currently start from around 2.19%, and these remortgage deals are available if you are looking for a better rate or maybe you are looking to raise some capital in order to do some much needed home improvements or you need to reduce your monthly outgoing by consolidating some unsecured credit cards and loans. If you currently have a mortgage and would like to review your options, then call today and speak to one of our mortgage brokers to find out what is the best remortgage rate for you.
Mortgage lenders often offer free valuations and free legals with their remortgage deals, therefore this will help keep the costs to a minimum when it comes to your remortgage. Often the whole remortgage transaction can be completed within 2 to 3 weeks from start to finish with minimum referencing required by the underwriter.
If you have a guarantor mortgage it may be time to look at a new remortgage rate because you may be able to remove the guarantor liability and get a much better mortgage rate, this would of coarse depend on your circumstances having changed since the guarantor mortgage was set up.
No matter what your circumstances, call and speak to one of our expert mortgage brokers today to find out if a new re mortgage rates uk would be right for you.
miércoles, 11 de enero de 2012
I am self employed without 3 years accounts, can I get a mortgage?
Q. I am self employed without 3 years accounts, can I get a mortgage?
A. There are a number of mortgage lenders who will happily offer a mortgage based on 1 years accounts, an accountants reference or even as little as 1 year SA302 tax return, this is based on the fact that you will have a minimum of 25% deposit available, with a good deposit such as 25% lenders can be flexible with the underwriting criteria as the deposit offers security for the lender.
Q. Is there special deals available for first time borrowers?
A. A number of mortgage lenders offer special deals for first time buyers, currently first time buyers can borrow up to 95% of the property value at very competitive interest rates. Also there are schemes available where the initial costs such as valuation fee and lenders arrangement fees can be added to the loan to keep the initial costs to a minimum.
Q I have a low credit score, can I still get a mortgage?
A. Yes, no matter what your credit circumstances it is always worth talking to MMI Brokers because we know which lenders can take a more flexible approach to credit history, we have existing relationships with mortgage lenders and we are willing to use that influence to help you get a mortgage you need.
Q. How do I know I am getting the best deal?
A At MMI mortgage brokers we are what is known as a whole of market mortgage broker, this means that we search through all of the mortgages available in the UK to ensure you get the best deal for your circumstances. We use the latest technology to help us achieve this aim.
Q. Can foreign nationals get a mortgage in the UK
A. Yes, there are a small number of lenders who are offering mortgages to foreign nationals here in the UK, speak to one of our mortgage advisers today.
Q. Can I get a mortgage on a non standard construction property?
A. That depends on what the construction of the property is exactly but generally speaking there will always be a lender to cover most types of non standard construction for example high rise ex council flats, concrete construction etc. Call us today for details.
A. There are a number of mortgage lenders who will happily offer a mortgage based on 1 years accounts, an accountants reference or even as little as 1 year SA302 tax return, this is based on the fact that you will have a minimum of 25% deposit available, with a good deposit such as 25% lenders can be flexible with the underwriting criteria as the deposit offers security for the lender.
Q. Is there special deals available for first time borrowers?
A. A number of mortgage lenders offer special deals for first time buyers, currently first time buyers can borrow up to 95% of the property value at very competitive interest rates. Also there are schemes available where the initial costs such as valuation fee and lenders arrangement fees can be added to the loan to keep the initial costs to a minimum.
Q I have a low credit score, can I still get a mortgage?
A. Yes, no matter what your credit circumstances it is always worth talking to MMI Brokers because we know which lenders can take a more flexible approach to credit history, we have existing relationships with mortgage lenders and we are willing to use that influence to help you get a mortgage you need.
Q. How do I know I am getting the best deal?
A At MMI mortgage brokers we are what is known as a whole of market mortgage broker, this means that we search through all of the mortgages available in the UK to ensure you get the best deal for your circumstances. We use the latest technology to help us achieve this aim.
Q. Can foreign nationals get a mortgage in the UK
A. Yes, there are a small number of lenders who are offering mortgages to foreign nationals here in the UK, speak to one of our mortgage advisers today.
Q. Can I get a mortgage on a non standard construction property?
A. That depends on what the construction of the property is exactly but generally speaking there will always be a lender to cover most types of non standard construction for example high rise ex council flats, concrete construction etc. Call us today for details.
lunes, 9 de enero de 2012
why should i use a mortgage broker?
Q. why should i use a mortgage broker?
A. Speaking to a mortgage broker is the equivalent of making an appointment with every lender in the UK, high street and specialist lender, and going through all of their products before making the decision, what mortgage is best for my circumstance. This would no doubt take hundreds of hours of your valuable time and lets face it, never going to happen. A mortgage broker will search the whole of the market on your behalf to ensure you get the best deal for your circumstances, and most good mortgage brokers will review your mortgage every 2 years for example, to ensure you continue to get the best deal, even if your circumstances change.
A traditional mortgage broker will handle the full mortgage application on your behalf from the initial agreement in principal right the way through to completion for both purchase mortgage and remortgage. Mortgage brokers are continuously updating their mortgage market knowledge, speaking to underwriters and lenders on a daily basis. A good mortgage broker will have existing relationships with lender personnel and underwriters, the decision makers, who can assist in those difficult cases. If you are declined a mortgage by your own bank or building society, the next port of call should be a mortgage broker, talk to an expert to get you the mortgage you need.
At MMI Mortgage brokers we want to create a long term relationship with our clients. Clients who do mortgage business with us will automatically be entered into or mortgage management programme where the clients mortgage will be reviewed every 2 years to make sure our mortgage clients are on the best deal. This could in turn save our clients thousands of pounds over the mortgage term. Talk to one of our expert MMI mortgage brokers today to see how we can save you money with a mortgage review.
A. Speaking to a mortgage broker is the equivalent of making an appointment with every lender in the UK, high street and specialist lender, and going through all of their products before making the decision, what mortgage is best for my circumstance. This would no doubt take hundreds of hours of your valuable time and lets face it, never going to happen. A mortgage broker will search the whole of the market on your behalf to ensure you get the best deal for your circumstances, and most good mortgage brokers will review your mortgage every 2 years for example, to ensure you continue to get the best deal, even if your circumstances change.
A traditional mortgage broker will handle the full mortgage application on your behalf from the initial agreement in principal right the way through to completion for both purchase mortgage and remortgage. Mortgage brokers are continuously updating their mortgage market knowledge, speaking to underwriters and lenders on a daily basis. A good mortgage broker will have existing relationships with lender personnel and underwriters, the decision makers, who can assist in those difficult cases. If you are declined a mortgage by your own bank or building society, the next port of call should be a mortgage broker, talk to an expert to get you the mortgage you need.
At MMI Mortgage brokers we want to create a long term relationship with our clients. Clients who do mortgage business with us will automatically be entered into or mortgage management programme where the clients mortgage will be reviewed every 2 years to make sure our mortgage clients are on the best deal. This could in turn save our clients thousands of pounds over the mortgage term. Talk to one of our expert MMI mortgage brokers today to see how we can save you money with a mortgage review.
Mortgage Times
Mortgage Times
Did you know that in any one normal day there is over 8000 mortgage available in the United Kingdom. For the majority of people buying a house, this will be the single biggest purchase of their lives so with that many different mortgage deals available from so many different lenders, how are you as a borrower supposed to know what is the best deal for you for this important decision for you and most likely your family as well.
You can, I suppose, if you have time, wander into every lender on the high street and sit through an hour or 2 of mostly, baffling jargon about a subject most people find mind numbingly boring. Lets face it, that will probably take you the best part of a year to find out for yourself what is the best deal for you and because lenders are continually replacing and updating their deals, this would be a never ending process. The majority of people I know who go through this frustrating process end up going with a deal which seems reasonable along with some over priced insurance products which they never wanted or needed, but the lender insisted they have. Shouldn't we expect better?
Do not despair because there is light at the end of the tunnel for borrowers, the only answer is to contact a mortgage broker who will do all of this work for you and make sure you get the best deal for your circumstances, every time. mmi brokers is one such Internet based mortgage broker firm who provide clients with a full mortgage management service where they will source and arrange the best deal for you, not only once, but time and time again after your fixed or discounted rate comes to an end. The mortgage advisers at mmi brokers aim to build a long term financial relationship with their clients over many years to ensure you never have to wonder if there is something better out there for you.
When you contact mmi brokers you will be introduced to you mortgage advisor who will be with you from start to finish thorough the application process all the way to completion and beyond, they do not operate a call centre where you will be passed around from pillar to post when you need to talk to someone. mmi brokers are not stuffy financial advisers in a traditional sense, they are a fast moving modern Internet based mortgage advisers who embrace new technology and use powerful sourcing software. As a client I was surprised at the number of ways I could contact my mortgage advisor including land line, mobile, text and email. I was constantly updated on the progress of my application on a daily basis by text and email, the whole thing was a breath of fresh air and I recommend them to anyone. My mortgage adviser was friendly, approachable and always explaining things thoroughly so I could understand exactly what was happening, he helped take all of the stress out of the house buying process, It felt really good to have an expert, who knew what he was talking about, with me.
Did you know that in any one normal day there is over 8000 mortgage available in the United Kingdom. For the majority of people buying a house, this will be the single biggest purchase of their lives so with that many different mortgage deals available from so many different lenders, how are you as a borrower supposed to know what is the best deal for you for this important decision for you and most likely your family as well.
You can, I suppose, if you have time, wander into every lender on the high street and sit through an hour or 2 of mostly, baffling jargon about a subject most people find mind numbingly boring. Lets face it, that will probably take you the best part of a year to find out for yourself what is the best deal for you and because lenders are continually replacing and updating their deals, this would be a never ending process. The majority of people I know who go through this frustrating process end up going with a deal which seems reasonable along with some over priced insurance products which they never wanted or needed, but the lender insisted they have. Shouldn't we expect better?
Do not despair because there is light at the end of the tunnel for borrowers, the only answer is to contact a mortgage broker who will do all of this work for you and make sure you get the best deal for your circumstances, every time. mmi brokers is one such Internet based mortgage broker firm who provide clients with a full mortgage management service where they will source and arrange the best deal for you, not only once, but time and time again after your fixed or discounted rate comes to an end. The mortgage advisers at mmi brokers aim to build a long term financial relationship with their clients over many years to ensure you never have to wonder if there is something better out there for you.
When you contact mmi brokers you will be introduced to you mortgage advisor who will be with you from start to finish thorough the application process all the way to completion and beyond, they do not operate a call centre where you will be passed around from pillar to post when you need to talk to someone. mmi brokers are not stuffy financial advisers in a traditional sense, they are a fast moving modern Internet based mortgage advisers who embrace new technology and use powerful sourcing software. As a client I was surprised at the number of ways I could contact my mortgage advisor including land line, mobile, text and email. I was constantly updated on the progress of my application on a daily basis by text and email, the whole thing was a breath of fresh air and I recommend them to anyone. My mortgage adviser was friendly, approachable and always explaining things thoroughly so I could understand exactly what was happening, he helped take all of the stress out of the house buying process, It felt really good to have an expert, who knew what he was talking about, with me.
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