Mortgage Broker New Milton

Independent Mortgage Broker New Milton. No Fees for mortgages arranged over £100,000. Mortgage advice in our office, your home or over the phone. 

We offer an excellent and professional mortgage service. For most of the mortgages that we arrange in New Milton we do not charge fees. This is because mortgage lenders pay us a small percentage of the mortgage arranged when it completes. We only charge you a fee in addition to this if the mortgage arranged is less than £100,000. For mortgages of under £100,000 there may be a fee for mortgage advice, the specific amount will depend upon your circumstances but our typical fee is £200.

Please feel free to research mortgages within the website. Our mortgage research tools and mortgage calculator are free to use 365 days of the year giving you all the up to date mortgage rates available. We do however believe that you would be better advised to speak to us before making any final decisions. A lot of mortgages carry lender fees that are not always in a client’s interest so just shopping for the cheapest mortgage interest rate is rarely the best mortgage for you.

We arrange mortgages with large lenders through to small Building Societies and have exclusive mortgage deals daily that the lender will not offer you if you contact them direct.

You may just need to know how much you can borrow for a mortgage in New Milton or want a portfolio of buy to let properties. Whatever the mortgage enquiry, please feel free to contact us.

Remortgaging your property in New Milton

It is possible that you could save money by arranging a new mortgage deal. Whether this be a new rate with your current provider or by remortgaging to a lender with a better offer. If you are on your lender’s Standard Variable Rate (SVR) or only have up to six months left of a fixed, tracker or discounted rate, we would recommend you speak to Impartial about your mortgage options.

We are a whole of market Mortgage Broker.  We research and arrange mortgages from across the whole market. 

New Milton Buy to Let Mortgages

If you are considering your first buy to let, we would recommend you seek independent mortgage advice. 

You may already own a buy to let property or have a portfolio of properties and planning to purchase more? Impartial will talk you through your options and mortgages available before recommending the most suitable mortgage for you.

What happens when you contact us?

When you contact Impartial, we will initially discuss your needs, answer any questions and ask what we can do for you.  A meeting can then me arranged, or we can email you a short mortgage questionnaire which you can complete and return in your own time.  This helps us to understand your financial circumstances and needs so that we can recommend the most suitable mortgage for you.

Please refer to our Impartial Mortgages FAQ's or some of the most popular questions about our services are under the daily best mortgage deal tables.

Do you deal with all mortgage lenders?

We are an Independent Mortgage Broker but unfortunately there are always going to be some lenders that do not use brokers. There are not many lenders in this category.

How does the mortgage process work?

Most mortgages are arranged on-line by us. Once we know your personal information and financial circumstances we will recommend the best mortgage deal for you. We will then complete the agreement in principle (lender credit check) and then submit the application if accepted.

Proof of income and supporting documentation is then sent to the mortgage lender.

The lender arranges the valuation of the property and once this is returned, the case is normally reviewed and the mortgage offer issued.

Impartial will follow the progress of the mortgage from submission to the lender through to completion.

How long will it take?

Every mortgage is different. However, a general guide would be, remortgage 4-5 weeks and a purchase/home mover 6 weeks to 3 months dependent on number of buyers in the chain.

We can sometimes arrange a mortgage in New Milton within 24 hours if it is urgent. As we are local the process is made easier.

Remember that your home may be repossessed if you do not keep up repayments on your mortgage.

Wills & trusts, conveyancing services, and most forms of buy-to-let mortgages are not regulated by the Financial Conduct Authority.