Key Mortgage Advice

read moreWe help our clients achieve their property dreams and ambitions. Whether that's getting on the first rung of the property ladder, building a buy-to-let portfolio, or buying their workplace, we can help. We can find you the most appropriate mortgage loan from thousands of products on the market, specifically tailored to your needs and circumstances. Sharon Duckworth looks back at 20 years of helping people finance their perfect home. A few weeks ago we were helping a long-standing client arrange what should be their final fixed rate mortgage.

read moreAt Key Mortgage Advice, we're proud of our people. We believe our personal approach to providing mortgage advice is what makes us one of the most trusted consultancies in the North West. If you're looking to secure a mortgage in Southport, Preston or Garstang, our team can help you to find the best deal. Sharon is the company's director and senior mortgage broker, having founded Key Mortgage Advice in 2001. Melanie is responsible for managing your mortgage application from point of application through to completion and offers a friendly, professional service.

read moreOur initial consultation is free, and during that meeting, we'll discuss your circumstances and mortgage requirements. From there, we'll analyse the market and carry out detailed research, focusing on your individual needs and preferences. Whether you're a first-time buyer looking to buy their dream home or a business owner hoping to purchase commercial premises, the entire process will be tailored to you. Once you're happy with the mortgage product we've recommended and feel ready to proceed, our focus is to support you through the entire mortgage application process.

read moreBuy-to-let mortgages are specifically designed for people who want to buy a property to rent out. Buy-to-let mortgages are usually more expensive than normal mortgages, but they could help you become a property investor. If you don't own your own home outright, or with a mortgage, finding a buy-to-let mortgage will be hard. Buy-to-let mortgages are generally arranged to either provide the borrower with an immediate income, or to act as a longer term investment. Accordingly landlords may prefer to keep monthly payments as low as possible by arranging an interest only mortgage.

read moreEvery lender has a unique set of lending policies and criteria, which must exactly match the circumstances of the borrower - therefore, arranging a mortgage has never been more complex. Our wealth of experience and knowledge of the underwriting criteria for each individual lender allows us to successfully direct applications and complete on over 95% of all mortgage cases. We have access to the whole market of mortgage products meaning we are truly independent and will help guide you to the most competitive and suitable mortgage product suitable for your needs.

read moreMany lenders now offer discounted interest rate deals for an introductory period - normally for two, three or five years - after that, they'll usually revert to a higher rate. However, you don't have to stay with that lender after the introductory period has come to an end. Like most things nowadays, it's important to shop around to see if you can save some money. If you want to know more about how we can help you swap to a better interest rate and save on your monthly repayments, then give us a call.