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Mortgage Advice in Watford

Appointments in Watford available 7 days a week

020 4511 4209Book Online Now

Open & Honest
Mortgage Advice in Watford

020 4511 4209Book Online Now

Our expert mortgage advisors in Watford are here to help!

Getting mortgage advice in Watford has never been easier! Our mortgage advisors in Watford have over 20 years of experience and have dealt with almost every mortgage situation. We are able to compare mortgages for first time buyers, home movers, buy to let landlords, the self employed and those looking to utilise the help to buy schemes.

More often than not, the mortgage process is not straightforward, therefore, getting a mortgage broker in Watford to help you along the way can make things much simpler. With our expertise and knowledge, we will try our best to secure you an excellent and competitive mortgage product for your property in Watford.

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Popular Mortgage FAQs in Watford

Offering mortgage and protection advice in Watford

We make sure that you are completely covered when it comes to taking out a mortgage by recommending insurances alongside your new mortgage product. For us, we want to make sure that you are in the best financial situation when it comes to finishing your mortgage process. We are also able to search 1000s of deals on your behalf, both mortgage and insurance products. Your mortgage advisor in Watford will make sure that they are fully aware of your personal and financial situation before recommending you a product.

We offer a free appointment to every customer, all that you need to do is give us a call or book online. If you choose to follow our book online route, you will be able to select a date and time for your appointment there and then. You will be paired with a mortgage advisor in Watford that specialises in your situation, they will take time to look at the questions you have answered so that they can prepare for your appointment with you.

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Popular Mortgage FAQs in Watford

First Time Buyer in Watford

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When you are a first time buyer in London & Watford, the mortgage process can seem daunting and it can be confusing where to start. Our job as your mortgage broker in Watford is to provide our full support and guidance throughout the whole mortgage process so that you feel comfortable and know what is going on at all times.

Whether this was through using a traditional mortgage method or utilising a help to buy mortgage scheme, we have helped many homebuyers get their foot onto the property ladder. If you want to explore your different mortgage options, your mortgage advisor in Watford will be able to compare help to buy schemes with you and see what you could qualify for.

Moving Home in Watford

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Moving home can be a stressful experience as it is, never mind also trying to find a new mortgage for the house you're moving into. When you are moving home in London & Watford, we take all of this stress off your shoulders - making the mortgage side of the process simple and straightforward.

We are always transparent with our customers, making them aware of all of their options when it comes to taking out a new mortgage. For example, some customers may get the chance to port their current mortgage to their new property which could save them money down the line. If this is the case, we will recommend this option and help them accordingly.

In Watford, we are here to help you arrange your mortgage so that when it comes to moving-in day, you have everything set up and can just focus on your new home.

Remortgage in Watford

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If you are coming towards the end of your fixed mortgage term, you will have to start thinking about your remortgage in London & Watford. If you don't act early enough, you could end up slipping onto your lender's standard variable mortgage rate of interest (SVR). This rate is bound to be much higher than the rate that your current mortgage tracks, therefore, you will likely see an increase in your monthly mortgage payments.

Getting remortgage advice in Watford will open up your remortgage options and take the stress out of the process. We will do it all for you and try to find you the best deal along the way!

We can also look at the possibility of remortgaging for other reasons such as for home improvements, releasing equity or debt consolidation - you can speak to your remortgage advisor in Watford about your potential options.

Buy to Let in Watford

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The buy to let mortgage process works in the same way as any other mortgage process, the only difference being that you will have to provide a larger initial deposit. Our buy to let experts are here to help you apply for your buy to let mortgage and try to find you the perfect deal for your property.

Speaking to a professional buy to let mortgage advisor in London & Watford will help you find a mortgage product for your property without the stress of doing so.

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Our Simple Mortgage Process

Contact our team

Step 1

Go through our book online system for your free mortgage appointment

Attend your free mortgage appointment

Step 2

Our team will allocate you to a knowledgeable Mortgage Advisor in Watford who will ask you questions about your situation to build up your financial background as well as assess your affordability.

Furthermore, they will arrange your Agreement in Principle which is normally sorted within 24 hours of your free mortgage appointment.

We search 1000's of deals

Step 3

Your advisor will look through our large panel of lenders to find the most appropriate mortgage for you. We will resume the mortgage application when you are happy with our recommendation.

It's time to submit your application

Step 4

When your mortgage application is good to go, we will put forward your mortgage application to the lender.

Reasons to choose us

Free Mortgage Appointment in Watford

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If you want to speak with a mortgage advisor in Watford, you can book a free mortgage appointment online or over the phone.

You can pick a date and time that best suits you and your personal and working life. Whether you want an appointment early in the morning, late in the evening or at the weekend, it is completely up to you.

1000s of Deals

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As a mortgage broker in Watford, we have access to exclusive mortgage products with competitive rates. The difference when you go to your bank is that they only have access to their own in-house products.

Your advisor will search our lenders on panel in order to find the best product for you. They will also take into account your personal and financial situation before recommending you a deal.

Our Service

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We have over 20 years in the mortgage industry and have worked many different cases - both in specialist and traditional situations. The idea is for us to make the whole process as simple as it can be and stress-free

You will have your own dedicated mortgage advisor in Watford that will specialise in your situation. Be sure to ask them all of your mortgage questions as they will be more than happy to help!

7 Days a Week

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We are available both weekdays and weekends. This means that you can book your appointment at the most convenient time for you.

Anytime throughout the week, if you need to speak with a mortgage advisor in London, you can simply get in touch with us and we will be able to answer your mortgage questions.

Malcolm and Amy Davidson - Mortgage Advice in London

Common Mortgage Questions in Watford

How much can you borrow for a mortgage in Watford?

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The deposit that you need to put down for a mortgage in Watford can vary depending on numerous factors, with one big one being your credit score. If you have a good credit score, you may be able to put down as little as a 5% deposit, whereas, if you have bad credit, you may be looking at a minimum deposit of 10%-15%.

It also goes without saying that the total deposit that you have to put down will also vary on the property price.

What do I do if I am ready to make an offer on a property in Watford?

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If you are ready to make an offer on a property, you need to make sure that you have a mortgage agreement in principle (AIP) in place. This will show the estate agents that you have been accepted for a mortgage, based on the fact that you can evidence your income, deposit, etc.

If you don't have an AIP or have not been approved by your lender, we can arrange an AIP for you within 24 hours of speaking with us.

I have been declined by my bank, can you help?

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As a mortgage broker in Watford, we are here to help all types of applicants through their mortgage process, even those with bad credit and in specialist situations.

If the bank has given you a reason why your mortgage application has been declined, one of our mortgage advisors in Watford will be able to discuss this with you and your potential options.

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Foundation Home Loans & Londonmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

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