We have the knowledge, so you have all the answers
When you need a mortgage, whether it’s your first time or for an existing property, there are many factors that can contribute to a successful application.
When you need a mortgage, whether it’s your first time or for an existing property, there are many factors that can contribute to a successful application.
Employment status, income, affordability, existing financial commitments and your age can all have an impact on your ability to secure a mortgage – so it helps to have an experienced broker on hand.
Our mortgage professionals are all fully qualified and have been helping clients navigate the mortgage market for more than 30 years combined. We take the time to look at your complete personal and financial situation before presenting you with the most suitable options for you and your lifestyle. We have access to a multitude of different products and, as an impartial, independent company, we will always put your interests first to ensure you receive the right mortgage advice for life.
Although mortgages usually have a specific term or fixed period such as two, three, five or ten years, it is wise to think about your life-long goals and aspirations when applying. At PWM we like to get to know you and your plans, which helps us to ensure we only select the most appropriate property loans for you to review.
Maybe you’re thinking of paying off a large amount of mortgage for more security or trying to release equity in your property. Perhaps you want to start a family and are trying to reduce monthly payments or upsize to a bigger home. Whatever your current situation or aspirations for your future, we can help you to start living the life you want.
There may be times when you don’t want to move but reviewing your existing mortgage would be beneficial. For example, there may be an alternative property loan on the market with a lower interest rate, which will reduce your outgoings. At PWM we can help you review your current circumstances to determine whether you could save money now or in the future. Our knowledge of the mortgage market means we can assess the repayment terms that will be right for you, before giving you all the information you need to make the right choice.
In some cases a mortgage application can mean mountains of paperwork, such as gathering your financial information or statements and filling out various forms. Fortunately, when you choose PWM you’ll find we take the load off by taking care of as much administration as possible.
We have a specific team dedicated to the small tasks that take up plenty of your time. Like responding to enquiries from a bank or filling out details about yourself. This helps us to ensure all information is present and correct and allows us to get the application right first time, saving you unnecessary searches on your credit file.
Every mortgage case we deal with is different. That’s because it’s not just the bank, interest rate or loan amount that matters. It’s also the individual circumstances of our clients. If you choose to work with PWM, you’ll not only receive our skills, knowledge and experience, but care and consideration.
Our mortgage brokers have seen a wide range of different and complex scenarios and we will always work hard on your behalf to find a solution to the most challenging of problems. Self-employed? Never owned a home before? Bad credit rating? Multiple properties? Whatever your application looks like, we can help you find and secure the best mortgage that meets your needs so you can move forward.
At PWM, it’s less about focusing on a list of lenders and more about providing the right advice for your life. As well as mortgage expertise we offer protection and insurance policies as well as a range of financial services provided by our trusted partners. To discuss any of these, please call us on 01403 270006 01403 270006.