Mortgage Broker Cambridge

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Mortgage Broker Cambridge – A Local Touch 

Securing a mortgage to buy a property can be a complicated process. Here at the Bespoke Mortgage & Finance Centre, our professional mortgage brokers are here to help you.  

From our base in Cambridge, we are proud of our reputation for helping clients secure the right mortgage for them. Our excellent relationships with lenders give us access to a comprehensive range of products for our clients. 

First, a little about mortgage brokers. 

What does a mortgage broker do? 

Buying a property is an exciting event in anyone’s life. Often, people think that they need to talk to their bank. But there are other options which could get you a much better mortgage deal. That’s where a mortgage broker comes in. 

Our mortgage brokers are professionally trained experts in arranging mortgages between buyers and lenders. We assist our clients in getting the most appropriate deal to suit budget and circumstances. We then handle the communication between yourselves and the lenders. 

What are the benefits of using a mortgage broker? 

Wider choice of mortgage products – There are more mortgage lenders than you might realise. From high street to specialist lenders, mortgage brokers have relationships with these lenders. Some lenders work only with mortgage brokers, so you would be unable to approach them directly. 

You’re more likely to be approved – When you engage with a mortgage broker, they will work with you to get an overview of your current financial position. They can then recommend changes or strategies to put in place to give you the best chance of being accepted. With so much regulation around affordability checks and lending criteria, this is a huge advantage. 

They can help reduce fees – There are many fees that can be incurred when arranging a mortgage. Mortgage brokers can often get them reduced or removed as part of your arrangement.  

They take the hassle out of mortgages – Finding and arranging your own mortgage can be a long, drawn-out process. You can spend a lot of time filling out forms and talking to different lenders. When you use a mortgage broker, all of the legwork is done by them. 

What services are offered by a mortgage broker?

Bespoke Mortgage & Finance Centre is here to help you. We have a range of services suited to many types of buyer. 

First Time Buyers

That first step onto the housing ladder can often be the most difficult. With no prior experience of the housing market, it can be difficult to navigate the crowded mortgage marketplace. Your mortgage broker will help you get onto the first rung of the housing ladder. 

Remortgaging

Remortgaging is an option for people looking to release the equity built up in their property. Or perhaps you are coming to the end of the special rate on your existing mortgage. A mortgage broker can find you a suitable deal to suit your needs. 

Mortgage Protection Insurance 

A mortgage is a large financial commitment. Mortgage Protection Insurance works to give you peace of mind. Should the person responsible for paying the mortgage pass away, the mortgage on your property will be paid off. 

Buy-To-Let Mortgages 

The regulations and lending criteria for buy-to-let mortgages is much different from that of a standard mortgage product. So if you are planning on converting an existing mortgage to buy-to-let, or purchasing a new property, a mortgage broker can work with you to get the right buy-to-let product. 

Specialist Mortgages 

The lending criteria for mortgages can seem quite restrictive. There are a number of circumstances which could require a specialist lender including: 

  • Self-employed
  • Company director 
  • Over a certain age
  • Irregular income
  • Previous credit issues

If any of these apply to you, then you may find it more difficult to be accepted for a mortgage. A mortgage broker has access to a range of lenders who are more likely to accept you. 

What are the benefits of using a local broker?

Our track record of helping buyers in and around Cambridge is excellent. All of our brokers are highly experienced. 

Our first priority is you – Mortgage brokers have a duty of care to their clients. They must work to get them the very best deal that they can. We offer a comprehensive range of first charge regulated mortgage contracts from over 65 lenders across the market, we aren’t tied to a particular lender.

Unrivalled local knowledge – We believe that mortgage brokers who know the area are able to give you the best service. Our brokers have extensive knowledge of the Cambridge housing market and are better placed to find you the right mortgage with the right lender. 

Remortgaging

Typical times to remortgage are when your fixed rate term is ending, when you’re thinking about moving house and if interest rates have fallen. A

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