Premier Mortgage Services

read morePremier Mortgage Services is an impartial mortgage broker in Nottingham with access to almost all of the mortgage lenders in the UK, as opposed to some brokers who only have access to a limited panel of lenders. We also have access to mortgage products from high street lenders that are exclusive to mortgage brokers, and also to some lenders that do not deal directly with the public. Getting a mortgage can be a stressful and time consuming exercise and we aim to make the process as simple as possible for you to get the best mortgage to fit your circumstances.

read moreYour mortgage is likely to be one of the biggest commitments you will make and we would strongly recommend that you consider fully protecting your mortgage against death, critical illness, or loss of income through accident, sickness or unemployment where your budget permits, and that you also adequately insure the buildings and contents. Protection need not cost a fortune and it can give you great peace of mind and financial stability to help you and your family cope should disaster strike. There are many types of cover available on the market today and some are listed below.

read moreContrary to popular belief, if you're self-employed and looking to get a mortgage, you will have access to the same range of mortgage deals as an employed applicant, however obtaining proof of income may prove more difficult, especially if you've only just become self-employed. Self-employed mortgages work like ordinary mortagages are available to first time buyers, home movers, buy to let investors and those looking to remortgage. As with employed applicants, you will be asked to complete a mortgage application and pass strict lending and affordability criteria which vary from lender to lender.

read moreThere are some incredibly competitive remortgage rates available on the market today, many of which benefit from free valuations and no lender arrangement or legal fees to move your mortgage to a new lender. What's more, with uncertainty looming over the Bank of England's decision as to when rates should rise, it could not be a better time to lock in a market leading rate. Of course a remortgage is the very much the same as a mortgage to buy a house - you will still need to prove your income and satisfy the lender's criteria.

read moreYou've spent several years saving up for a deposit and probably even started house hunting. The next step is to see how much you can borrow. Each mortgage lender has its own lending criteria and affordability calculations which is why it's often beneficial to seek the advice of a mortgage broker, especially if you've never applied for a mortgage before. A mortgage is a loan offered by a bank or financial institution that allows you to buy a property. The mortgage is secured against your property and is repaid on average, over 25 years.

read moreIf you're wanting to move home, you need reassurance that a mortgage will be available to you. Recent changes in the mortgage market means that you shouldn't take for granted that getting another mortgage will be simple and straightforward. You may even find that these changes mean your existing lender might not be willing to help. Your age, employment situation, credit history or the new, more stringent affordability calculations could mean you no longer fit their criteria. Thankfully, not all lenders are the same and our experience, market knowledge and industry leading sourcing systems can quickly identify which lender might offer the best mortgage for you.

read moreWhether you are a first time buyer or a homeowner looking to move or remortgage, if you have had bad credit, you may find it difficult to get a mortgage. We will search the whole of the market to ensure you get the best mortgage for your circumstances. In many cases we are able to place mortgages with well known high street lenders that we have built relationships with. Every case will be considered individually by our experienced team of advisors who will always be on hand with their impartial, expert advice to help you find the right mortgage and guide you through the whole process.

read moreTypically, buy to let lenders will need you to already own your own home, whether outright or with an outstanding mortgage, in conjunction with a good credit record and not be stretched by existing commitments. This would normally include your existing mortgage(s) and credit commitments you may have. Often (but not always) applicants will need to prove that you have earned income - typically at least 25,000 a year. Lenders will have their own upper age limits - typically between 70 or 75.