Seven reasons why
you should use a
Mortgage Broker
For those of you who haven't used a mortgage broker before, you may be wondering what the benefits are.
We've put together this handy list as to why this is a great decision!
If you have any other questions then ask away!
Finding deals that are the
most appropriate for you!
A little known fact about some mortgage brokers is that we have access to mortgage deals and lenders that aren’t available to unless you use a broker and they aren't available on comparison sites, so you wouldn't know they were available.
This can have a huge benefit to you as even a very small reduction in your interest rates can have a great effect on your monthly mortgage payments and the total amount you pay over the term of your mortgage.
At a time when living costs are so high, it's important to ensure you aren't paying more than you need to for your mortgage, which is likely going to be the biggest outgoing you have.
Many of our clients find the broker fee can very quickly pay for itself through the savings made on your mortgage deal.
We're not tied to
lenders!
We are entirely impartial. We do not push you towards any particular lender.
Our sole purpose is to get you the most appropriate deal based on your circumstances. You will know the deal we recommend to you, is the best fit for you.
We work for you and will always have your best interests at the forefront of everything we do.
We're not tied to
estate agents!
We have estate agents that do recommend us as their trusted mortgage broker, as they have been delighted with how we have supported their customers. However, you are free to put your house on the market with whomever you wish.
You are also under no obligation to use their mortgage broker, or to undergo a 'pre-qualification meeting' to be able to put an offer forward on a property the estate agents are selling.
We are here to advise, guide and fully support you along your home selling, buying and remortgage journey.
All our reviews are
five stars!
We love working with our clients, and many of them have now become friends. We’ve seen our client's lives change over the years. They may have seen their career grow, started a family, become a business owner or whatever life throws at them, but one thing that is certain, I’m with them for the whole journey!
If you’d like to read a few of the glowing reviews they’ve left for us at Naomi Financial then please click below to visit our VouchedFor page where you can read over 150 five star reviews.
Our broker fee is
great value!
Of course, paying a broker fee is not at the top of everyone’s wish list! We know buying a house is an expensive task, there may be solicitors / conveyancing fees, lending fees, product fees, searches, estate agent’s commissions, removal costs, valuation fees, surveys - the list seems endless! The last thing you want to do is pay another fee to a mortgage broker - we understand it.
We have good news though.
Did you know that we can get access to rates that are not available on the high street? This often means that the rate we may be able to secure for you could make your mortgage cheaper over the fixed term of your mortgage meaning the savings outweigh our broker fee, effectively giving you our service for free!
As well as a potential lower mortgage rate and unlike many other brokers, we don’t just arrange your mortgage. We help deal with your solicitors / conveyancers (and the other party’s also), valuations and to help you through the process until your mortgage completes and you move in.
We are an endless supply of help to you, if you need it and this has proved to be incredibly helpful to our clients, particularly when things don’t go to plan!
We are always here
for you!
Once your mortgage application is complete we will offer you advice on insurance policies. We offer policies covering Life Cover, Critical Illness, Income Protection, Family Income Benefit, Whole of Life cover and Home Insurance etc.
We will recommend the most appropriate products that will best help protect you and your family should your situation change once the mortgage has begun.
Our relationship with you doesn’t end there! We will always keep in touch with you throughout the term of your mortgage. You may have plans to move home, extend or renovate your home, want to grow a buy to let portfolio, get some further insurance cover for you and your family, or just need some help and advice on the housing market in general.
We're always only a phone call away!
Over 18 years of
knowledge!
We have over 18 years of experience in the mortgage industry to help with the most difficult of cases.
From working as an underwriter, a mortgage adviser within a high street bank, and as an impartial mortgage broker for the past 10 years dealing with everything from very straight forward mortgages to complex income structures, unusual property types, impaired credit, professional sports people etc. This has given us a huge bank of knowledge to help support our customers.
You may have difficult financial circumstances, have a need for complex mortgage solutions, or just a standard requirement for a mortgage.
Either way, we’ll try our best to make it work for you - you’re our priority!