Mortgage Broker Isle Of Wight
Independent Mortgage Broker Isle of Wight. No Fees for mortgages arranged over £100,000.
We like to think that we are a Mortgage Broker with a difference. Firstly, if the mortgage arranged is over £100,000 we do not normally charge fees for arranging your mortgage in Isle of Wight and secondly we offer a first class professional service researching, recommending and arranging every mortgage after making sure this is the best mortgage deal available based on the clients personal circumstances.
Impartial Mortgage & Protection are a short ferry ride from the Isle of Wight, just outside Lymington in the New Forest.
For most of the mortgages that we arrange we do not charge fees. 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.
Our mortgage business model keeps us very busy even through the hard recent times. Recommendations and word of mouth accounting for a large proportion of our business.
We find most new clients want to discuss things over the phone at first and then either have their mortgage or life insurance arranged direct or with a home visit to the Isle of Wight to discuss face to face.
We are quite happy to come to Newport, Ventnor, Shanklin, Bembridge, Ryde or Cowes to arrange a mortgage if requested.
Alternatively, if you would like to look around yourself then please feel free to look at our online mortgage calculator or life insurance quoting tools which are updated daily for clients in Isle of Wight and non-clients to use anytime 24 hours a day. There is no obligation or passwords required.
Getting a Credit Check
If you are considering a new mortgage, we recommend you start by checking your credit file online. You can do this with several companies, but we recommend Checkmyfile.com because their reports include searches from multiple agencies in 1 report. Experian, Equifax and TransUnion.
Checkmyfile.com offers a 30-day free trial and then charges £14.99 per month thereafter and can be cancelled at any time.
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.