Mortgage Broker Winchester
Idnependent Mortgage Broker Winchester. No Fees for mortgages arranged over £100,000.
We often arrange mortgages within 24 hours of first being contacted. Please let us know if your mortgage enquiry is urgent.
It isn't just the fact that we do not normally charge mortgage broker fees that gets us recommended time after time. Impartial give expert mortgage advice both over the phone and face to face. Every mortgage is followed through from the application right through to completion. We then contact you 3 months before your initial rate expires to discuss your options and remortgage rates.
We like to think that a good Mortgage Broker should also be a long-term arrangement like any other professional company. But whether you want a long-term relationship with us or just want to use us for a one off mortgage in Winchester, we are happy to help.
We also deal with the top UK companies for life insurance and arrange home insurance, landlords insurance, income protection, and other insurances.
Remortgaging your property in Winchester
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.
Winchester Buy to Let Mortgages
There is good demand for rental properties in and around Winchester.
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.
We are a whole of market Winchester Mortgage Broker. We research and arrange mortgages from across the whole market.
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 Basingstoke 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.
