FEE FREE Mortgage Broker In Newcastle
We offer Fee Free Mortgage Broker In Newcastle, we can discuss, advise and submit the whole mortgage application from start to finish! At Alexander Southwell Mortgages, we give honest, straight forward, easy to understand, fee free mortgage advice.
Mortgage Broker Newcastle
Alexander Southwell Mortgage Services Ltd is an expert mortgage broker in Newcastle. Our team provide expert mortgage and financial advice tailored to your specific circumstances.
Our mortgage advisers have been helping clients across the financial services industry for over a decade. Taking out a mortgage will probably be the biggest financial commitment you ever make so make sure that you get advice from a mortgage broker that has access to a large panel of mortgage lenders.
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How can we help you obtain a mortgage in Newcastle?
Have a look and read our genuine reviews from some very happy customers. As a team mortgage brokers, we are proud of the efficient service we provide and aim to provide the same level for every customer we speak to.
Getting any new mortgage or porting an existing mortgage isn’t always easy. We’ll be here to answer all your questions throughout the whole process. Our aim is to help you achieve your mortgage goals by providing the highest of standard of Mortgage Advice in Newcastle.
Why choose Alexander Southwell Mortgage services for mortgage advice?
Alexander Southwell Mortgage Services offer a comprehensive range of mortgage products from across the market.
We also take care of all the administration for mortgages and mortgage protection applications as well as liaise with estate agents, mortgage lenders and solicitors to make sure the process is as smooth and hassle-free for you as possible.
Every one of our customers has a unique need and different circumstances. We love the challenge of finding you mortgage deals. Even if you don’t tick all the usual boxes, we can help. Check out our mortgage pages & guides to see the type of loans we deal in, or if you can’t find what you’re looking for just give us a call for a non-obligation chat.
First Time Buyers In Newcastle
Buying your first home and looking for your first mortgage in Newcastle is an exciting prospect but figuring out how to get onto the property ladder can feel overwhelming. It is critical for you to get mortgage advice.
Not only can you be assured of getting a suitable mortgage deal based on your needs, circumstances and preferences.
You will also be guided through the maze of the mortgage process in a friendly, professional and efficient way. This is important being a first time buyer and we will help you understand the following;
- How much you can borrow
- Finding you the lowest interest rates
- What deposit you require
- Other costs during the process of buying a home
- How much you can afford in monthly repayments
- Government schemes to help get you on the property ladder
Moving Home In Newcastle upon Tyne
A home mover mortgage isn’t any different to a standard mortgage.
It’s simply the process of getting a new mortgage with a new mortgage lender when you move home so the mortgage is suitable for the house you’re moving into.
As home movers choosing the correct mortgage for you is critical as you will need to ensure it is still affordable whilst suiting your changing needs.
Home Mover mortgages are typically for people who are stepping up the property ladder and looking for a larger home which requires a larger mortgage.
Our mortgage advisers will go through all options of porting your current mortgage with your current mortgage lender, searching for a new mortgage, discussing any early repayment charge which might be due.
Getting a mortgage when moving home should hopefully be easier, because we can show the mortgage lenders that you have a track record of being able to keep up repayments. Speak to one of our expert mortgage brokers to lead you through the mortgage maze.
Area's We Serve Across Newcastle - Mortgage Brokers
Our Newcastle mortgage centre covers the whole of the north east, Northumberland, including Gateshead, Berwick Upon Tweed, Gosforth and Alnwick.
Newcastle upon Tyne is well-connected, with good road and rail links to other parts of the country, as well as an international airport. It is a popular destination for tourists and business travelers alike, and is known for its welcoming atmosphere and friendly locals.
Alexander Southwell Mortgage Services give honest, straight forward, easy to understand financial advice. We are a FEE FREE mortgage broker covering all of Newcastle boroughs.
After your consultation our Mortgage advisers search an extensive panel of lenders to find the right mortgage rates available to you.
We liaise with estate agents, mortgage lenders and solicitors to make sure the process is as smooth and hassle free for you as possible. This is all a part of our exceptional service.
Remortgage Advice Newcastle
Most people refinance their current mortgage debt to take advantage of the current market and benefit from cheaper mortgage rates but there are also many other reasons why you might be looking to remortgage –
The cash could be for several reasons like home improvements, a holiday or maybe a new car. It might also be a necessity as getting divorced is a fact of modern life and many partners would prefer to stay in their current home if they could raise money to “buy out” their ex partner.
Capital Raising for a Deposit
Purchasing a second property or a buy to let property is becoming more and more popular; saving for the deposit is quite a difficult process while already paying for a current mortgage.
Buy To Let Mortgages In Newcastle
Are you looking for your first buy to let property?
Looking to let your current residential to buy onwards or an experienced landlord, then our mortgage advisers can help. Having the ability to search thousands of buy to let mortgage products, we will save you time and money ensuring the right deal is offered for you.
Buy to let mortgages can be more complicated than you think, especially with the forever landlord changes, however our experienced mortgage consultants can explain the process, costs and source the best possible avenue to purchase the property, whether that be as personal buy to let properties or a company buy to let, we have the right answers for you.
New Build Mortgages Newcastle
New Build Properties are a fantastic option whether you are a first time buyer, upsizing, downsizing or just looking to live in a modern home benefiting from lower running costs and energy bills. There are many other benefits of purchasing a new build property:
- The property is a blank canvas so you can put your own stamp on it.
- No chain in the purchasing process
Excellent quality build
- 10 Year Warranty
- Government schemes making them more affordable
Is a new build property in Newcastle right for you?
There are many important things to consider when deciding if a new build home is right for you.
Just because a home is new, it does not mean it will be completely free from defects which may lead to negotiations with your builder.
Depending on the stage of the development, you may spend the first few months or even years in your home on a building site. You may need a larger deposit for a new build property and timing your mortgage with your home completion can get complicated. Your mortgage and protection adviser will let you know the stages and when everything should be prepared for.
Self Employed Mortgage Advice in Newcastle upon Tyne
Self employed applicants cannot be assessed all of the same. Before providing a mortgage offer, the lender will assess up to the latest three years income from your accounts. They will also be need to see bank statements and further documentation.
We will advise and point you in the right direction for this, this is a part of our expert mortgage advice.
Throughout the mortgage process, our team will provide the help and advice by working hard in increasing your chances of getting a mortgage.
Here at Alexander Southwell Mortgages, your mortgage broker in Newcastle can search 1000’s of mortgage products with many tailored to the self employed. As soon as we find you a mortgage deal that you are happy with, our expert mortgage advisers will start the mortgage application process.
Frequently Asked Questions - Mortgage Broker In Newcastle
Should you pay for a mortgage broker in Newcastle?
Is mortgage protection a good idea?
We will always provide insurance advice if you take a mortgage with us.
To answer whether life insurance or mortgage protection is worth it or not you have to ask yourself another question; Could you afford to maintain your current lifestyle if you or your partner were suddenly gone? In most cases, the answer will be no.
So is Life Insurance worth it? Yes! Your expert broker will find the right deal for you.
Should I remortgage (product switch) with the same mortgage lender in Newcastle?
When your mortgage adviser provide mortgage advice we will assess your full financial circumstances.
In some cases it might be worth staying with the same lender, this is called ‘product switching’, it is always worth speaking to a mortgage broker and getting mortgage advice as a small saving on your interest rate could end up saving you thousands of pounds therefore getting the right mortgage deal for you is important.
How do Fee Free mortgage brokers get paid?
Once your mortgage adviser has found you the right mortgage deal and all your mortgage needs have been carried out, when the new mortgage commences the mortgage lender then pays us a procuration fee. This is excellent news for our customers as there is no cost for them through the whole process of looking for a mortgage.
Mortgage & Protection Advice Covering The Whole Of The UK
We haven’t “officially” opened a local Newcastle branch yet, but that doesn’t mean you can’t use our expert and comprehensive mortgage service over the phone.
As leading mortgage advisers, we are so confident that we’ll find the right mortgage deal available to you.