Easier Mortgage Applications?

TimothyJohn12 wrote: »

Just google it i.e "online mortgage broker"

1. Habito
2. Onlinemortgageadvisor
3. Landc
4. John Charcol

Maria_stanley wrote: »

HABITO
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Using Habito starts with a simple conversation with a digital mortgage adviser - a chatbot that you can access from any connected device, 24/7. The platform analyses the market in seconds, finding the best matches for your individual circumstances. With access to every mortgage deal from over 70 lenders, once a perfect product has been found, it’s over to their human mortgage experts to discuss your options. By using intelligent machines their advisers do what they do best: give great advice, and using live chat they are available wherever you are - at home, in the office or on the beach. When you’re all clear on how to proceed you’ll continue to be personally looked after by one of their human experts, taking care of your entire mortgage application from start to finish for you. They’ll let you know exactly what we need and when we need it, making sure you’re never lost or left behind. All that’s left is for you to sit back, relax, and enjoy your free time. Using Habito costs nothing as their service is completely free, from start to finish! Just like any broker, they get paid by the lenders for processing your mortgage application. This fee is a fraction of a percent of the value of your mortgage. They will always tell you exactly what they’re getting paid at the point of your application so you know the full story. With Habito you have access to over 70 lenders, including HSBC, First Direct, TSB, Post Office and Tesco Bank. You can rest assured that if there’s an awesome deal from a lender we can't help with, You will be informed so you can choose whether to go direct.[/FONT][FONT=&quot]
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[FONT=&quot]JOHN CHARCOL[/FONT]



[FONT=&quot]John Charcol is a mortgage broker operating by telephone and face to face providing mortgages from the whole of the market. [/FONT]It is advised you have personal dedicated consultant as they will liaise with your lender, solicitor and surveyor and manage the process right through to getting a satisfactory offer. They'll chase up references, instruct your survey and be the central point of contact for your mortgage application, keeping you updated every step of the way. The length of time each stage takes depends on a number of factors: The chain, how quickly you can organise your paperwork, the speed of solicitors and valuers involved. If you transact through John Charcol, we will take time to understand the timescales you would like to meet and will tell you if they are realistic. We will then liaise with all the professionals involved to try to help you meet your deadlines – and keep you informed throughout. Your consultant will do all they can to keep you fully informed by committing to the following:

• [FONT=&quot]Contacting you in the way you find most convenient - by phone or email[/FONT]
• [FONT=&quot]Contacting you regularly to update you on progress[/FONT]
• [FONT=&quot]Giving you an estimated date for the next activity every time they contact you[/FONT]
• [FONT=&quot]Answering any of your questions between 8.30am and 5.30pm Monday to Friday (or promising to get back to you within 24 hours if they aren't available when you call)[/FONT]

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With John Charcol if something does crop up since with so many people involved, problems can occur from time to time during a mortgage application., Having helped people arrange mortgages for many years you are rest assured because they will address it as quickly as possible. And of course, will always keep you fully informed.[FONT=&quot] Their fees apply to all regulated mortgages including consumer buy to let’s. Certain mortgages, primarily business buy to lets and commercial mortgages, are not regulated. Fees for non-regulated mortgages can vary depending on your requirements and circumstances. The client fee doesn’t merely cover the administration of your loan application. It also covers our extensive research, our in-depth knowledge of the market and the independent mortgage advice you receive from them.[/FONT][FONT=&quot]
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[FONT=&quot]ONLINE MORTGAGE ADVISOR[/FONT]
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Online mortgage advisor offers a source of impartial information for anyone looking for mortgage help, whether straightforward or specialist, so you can be sure you're getting the most up to date and relevant answers. If you require individual advice then we can put you in touch with an advisor and, where relevant, one that specializes in the type of mortgage you're after. All advisors that are passed your details are regulated and authorized by the FCA, so you can feel safe that if there's a mortgage out there for you they'll find it, and at the best rates! With any of the specialist advisors working with them your initial mortgage consultation is no-obligation and free of charge. Depending on the complexity and size of your mortgage there may be a fee for the service, which will all be discussed and agreed before you make a mortgage application. A typical fee is £399 for straightforward applications (will never be more than 3%). All advisors working with them are fully qualified and regulated, and they will offer any advice specific to you and your needs.



L AND C





At L&C, they take you through the mortgage application process from start to finish, offering expert guidance as to which kind of first time buyer deal might suit you best, so that you can get onto the first rung of the property ladder as painlessly as possible. There are lots of schemes available to help first time buyers who are struggling to get onto the property ladder. Shared ownership schemes, for example, enable you buy a share in a property through a housing association. You then pay rent on the part you don’t own, and can buy additional shares in your home when you can afford to. There is also the Help to Buy equity scheme, which allows you to borrow up to 20% of the value of a new-build home interest-free for the first five years. First time buyers purchasing in London can borrow up to 40% interest-free. If you’re not sure whether or not you’re eligible for one of these schemes, contact them and they will talk you through all the available options. The amount of interest you will pay on your mortgage depends on the particular deal you choose, but the good news is that record low interest rates mean that mortgage rates are currently very competitive. The bigger the deposit you have to put down, the better the mortgage rates you will be eligible to apply for. When choosing a mortgage, you can see which deals you might qualify for based on the size of the deposit you have by looking at what is known as the mortgage ‘loan to value’ (LTV). The LTV is essentially the size of the mortgage you are taking out relative to the value of the property. So, for example, if you were buying a flat costing £100,000 and you have a £5,000 deposit to put down, you’d need to look for mortgages with a 95% LTV, as you will be borrowing 95% of the property’s worth.You will need to factor in arrangement fees too, as these can sometimes substantially bump up the overall cost.

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