Why Malleny you make ask? Why not just go to my bank. What can we do that’s different?
A mortgage is a mortgage isn’t it?
Not all mortgages are the same. If you go to your bank they can only talk to you about their own mortgage range so there may be a choice of approx. twenty to thirty different deals and out of these there may only be one or two that are suitable for your own situation.
But as impartial, independent whole of market brokers we have access to around 1200 deals from over 100 lenders. That gives us much more choice and flexibility to get the best deal for your first home!
And as a small company we work hard to give you great service throughout and ensure that you get the keys to your first home as stress free as possible. We will keep you informed and updated with progress and we are always here to answer any questions you may have.
Our experienced consultants will be able to help you with answers to all of these.
And as well as mainstream mortgages, we are experienced in Guarantor mortgages and Shared Owner/Equity mortgages to give you a few other options.
To give you confidence that you will be able to secure a mortgage for your first home and to get an idea how much a lender will lend you, we will obtain an Agreement In Principle (AIP) if appropriate. And we won’t charge a penny to get you this far.
Before we make a firm recommendation on a suitable mortgage, we need to understand your financial circumstances to be able to offer you the best possible advice.
You will need to gather details of your household income, expenditure, details of any loans, credit cards, as well as utility bills and also any regular outgoings such as season tickets or childcare costs. You can find more on this in our ‘Be Prepared’ section.
Bespoke individual service for each client is key to what we offer. After reviewing your details and documents, we will make recommendations based on the best available choices for you. We will explain your options simply and clearly
It’s easy to think that once you have secured your mortgage that’s it – job done. But once you have your first home, it is as important to make sure that you can keep your home in the event of changing circumstances such as redundancy, ill health or even worst case scenario death. Our experts can help you protect your new home by protecting your income and your mortgage.