Why you cant afford NOT to use a mortgage broker

Why you can’t afford NOT to use a mortgage broker

Buying a house can be challenging at the best of times… never mind doing so throughout a pandemic! At least applying for a mortgage is fairly straightforward though, right? With the internet at your fingertips, finding a ‘good’ deal has never been easier. Yet what happens if that good deal doesn’t actually meet all your needs?

To make sure that a good deal doesn’t turn bad, we would always recommend using a mortgage broker to help you when applying. Here at The Glasgow Mortgage Company, we have a dedicated and professional team of mortgage brokers on hand to help. We’re approved by the Financial Conduct Authority, qualified in this area and have access to a wide panel of lenders too, meaning you know you can trust us to get the job done (and get it done well)!

Whilst there are lots of mortgages available out there, more choice can sometimes mean more confusion! It’s vital that whatever mortgage you go for, it’s suitable for your needs. Is it best to go for a shorter-term mortgage with a higher interest rate? What lender should you go for to increase the chances of your mortgage being accepted? Or should you be focusing on keeping costs down but spreading repayments over a longer period of time? A mortgage broker can discuss all the available options with you and advise you based on your specific circumstances, no matter what they may be.

Contrary to popular belief, often a ‘one size fits all’ approach cannot be taken when applying for a mortgage. For example, somebody who is self-employed may need specialist advice, whereas applying for a buy-to-let mortgage will mean having different criteria to meet when compared to a loan-to-value mortgage. Mortgage brokers will also take other factors into account when advising on what mortgage to go for – including when it comes to protecting yourself if the worst should happen (things that we may not always think about).

One particularly useful advantage of using a mortgage broker is the fact that they will be able to offer you deals that are not readily available on the market. They may have access to more mortgage options or specific rates you wouldn’t get anywhere else. We have access to deals that are exclusive to The Glasgow Mortgage Company, meaning you could end up getting an even better mortgage than you initially anticipated – result!

Of course, it’s not all about the mortgage deals themselves. A mortgage broker will be on hand throughout the application process, offering you help and advice. They’ll also help when it comes to filling out all those inevitable forms… after all, who wants to spend more time than necessary on paperwork? Having a mortgage broker will give you peace of mind too, knowing that your choice of mortgage is protected. Let us deal with the stress so you don’t have to!

If you’re looking to take out a mortgage, why not speak to one of our team? We can talk you through the process and let you know how best to proceed. We’re currently operating remotely, so there’s no excuse not to get in touch! You can call us on 0141 248 4677, email us or get in touch with us over Facebook.

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