Mortgage Broker Newbury

Independent Mortgage Broker based just outside Newbury. No Fees for mortgages arranged over £100,000.

Impartial arranges mortgages all over the South of England including Newbury on a weekly basis. We have hundreds of repeat customers every year and pride ourselves on long term relationships rather than one off mortgages.  

A good local Mortgage Broker should also be a long-term arrangement so we automatically contact you 2-3 months before your initial fixed, tracker or capped mortgage rate expires and shop around for the best mortgage deal if you want a better rate than the existing lender is offering.

Impartial are experts in Residential and Buy to Let mortgages. We will research and recommend the right mortgage for you and arrange any applications etc. Our job doesn’t end there. Every case is followed through to completion. Some on a daily basis. Dealing with Solicitors, Estate Agents and anyone else relevant to the mortgage.

For the majority of 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.

A large percentage of our customers have been introduced to us through recommendations, which is a key part of our business. Treating each and every customer like they are our only customer is fundamental to the way we work.

We also deal with the top UK companies for Life Insurance and associated insurances.

If you are looking for a local Mortgage Broker in Newbury that offers a professional service.

Remortgaging your property in Newbury

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. 

Newbury 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 Newbury 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.