Mortgage Updates

HERON FINANCIAL

As new build specialist mortgage brokers, Heron Financial± guide and support buyers throughout the entire mortgage process. Matt gives an update on the mortgage market in early 2023, watch now.

EVOLVE FINANCIAL SOLUTIONS

Evolve Financial Solutions* are specialist new build mortgage brokers. Their team offer mortgage advice and help customers buy their dream homes. Jason explains what has happened to the mortgage market since the mini-Budget, and gives advice to aspiring homeowners hoping to get a mortgage today.

WHY SHOULD I USE AN INDEPENDENT MORTGAGE ADVISOR?

Independent Mortgage Advisors provide impartial advice on the whole range of available mortgage products. They work separately from mortgage companies, lenders and banks and can help guide you through the process:

• Check your finances and advise on mortgage affordability
• Look at a range of mortgage products and advise on current new home mortgage offers and types of finance according to your needs
• Guide first time buyers through the opportunities for additional funding schemes which may be available
• Usually complete the paperwork for you, so your application should be dealt with faster

Whether or not you proceed to place your mortgage through an Independent Mortgage Advisor, it is essential that a mortgage offer is secured prior to Exchange of Contracts. Your mortgage lender will make arrangements with your solicitor and Crest Nicholson Sales Executive to inspect your new home and survey it for mortgage purposes. Please remember that your new home may not be ready for some months and that your mortgage offer may only be valid for a limited period. Therefore, always check the length of time the offer is valid for. Businesses who offer mortgage advice must be regulated and authorised by the Financial Conduct Authority (FCA).