Homebird Mortgage and Protection Services

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CONTACT MANDY

Mortgages 

Your mortgage is probably the biggest financial commitment you will have in your life, so you want to know that you have the right mortgage and the deal for you.

With so many Lenders, rates, fees and conditions, finding the right mortgage can seem overwhelming, so by choosing Homebird Mortgage Services, I will take this worry away from you. By understanding your needs, objectives and circumstances, I will advise you of the options.

My role is to help you;

  • Save money by not paying more than you need to for your mortgage
  • Recommend how to structure the term of your borrowing taking into account your age, objectives, retirement plans and your budget
  • Save time and money by focusing on lenders whose underwriting criteria will suit you
  • Save money by comparing rates and fees to recommend the most cost-effective solution for you
  • Feel confident that I am recommending the most appropriate solution for you and your circumstances, objective and goals

I achieve this by;

  • Listening to your objectives, goals, priorities, worries or concerns
  • Gathering detailed personal information at the start of the process
  • Research the market to find the lender and rate for you
  • Provide you with a full personal illustration and talk through all the features of my recommendation
  • Place your full mortgage application for you and liaise with you and the Lender throughout the process until your mortgage offer is issued

My fee for advice, research, recommendation and arranging your mortgage is £247.00, payable on application.

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First Time Buyers

Re-mortgage

Moving Home

I understand that buying your first home is exciting and daunting all at the same time. I enjoy supporting first time buyers through the homebuying process and genuinely share in your joy on the day you collect your keys.

I will be there to support you throughout the entire process, right from your initial enquiry. I will explain the process right from the start and make sure you are comfortable all the way through, as well as being on hand to answer any questions you have and to liaise with your Estate Agent and Solicitor as needed.

I will take the time to explain the types of mortgages available, the rates and terms and will make a personal recommendation to you, having considered your deposit, future plans and budget. I will talk through any fees, your monthly repayments and features of the mortgage so you are happy and comfortable with the mortgage we are applying for.

I aim to be available and approachable throughout, and I will look after you and your mortgage personally.

It’s never to early to get in touch and I recommend that we talk early in the process so you understand the process, what deposit you will need, what documents you need and then to find out how much you could potentially borrow, (see our process section).

Re-mortgaging is the process of moving your mortgage from one lender to another, using the same property as security.

The most common reason for re-mortgaging is to benefit from a more competitive rate from a new lender and save money on your monthly repayments. When your current rate with your existing lender is coming to an end, or if you are paying your lender’s standard variable rate, please speak to Homebird Mortgage Services as I can research the market for you, to make sure you get the deal for your circumstances, and you are not paying any more than you need to.

I will look after the whole process for you until your mortgage has completed with your new lender. You also be assured that once the deal I recommend is coming to an end, I will be in touch to review your mortgage again.

When your mortgage deal is ending, it is a good time to review your mortgage and many people who benefit from a lower rate, can knock years off their mortgage without paying more each month. Maybe your budget has changed, and you wish to pay more to reduce the term. You may wish to increase your lending for some home improvements you wish to carry out. We can discuss all of the options for you.

Whether you are looking to move to your next home, your forever dream home or downsizing, it is important to get the right mortgage advice.

I can advise you on whether staying with your existing lender and ‘porting’ your current rate is best for you or if arranging your new mortgage with a new lender would be best financially. I will always offer the best advice for you personally – everyone’s circumstances are different.

I will be there to support you throughout the entire process, right from your initial enquiry until you get your keys. I will explain the process right from the start and make sure you are comfortable all the way through, as well as being on hand to answer any questions you have and to liaise with your Estate Agent and Solicitor as needed.

I will take the time to explain the types of mortgages available, the rates and terms and will make a personal recommendation to you, having considered your deposit, future plans and budget. I will talk through any fees, your monthly repayments and features of the mortgage so you are happy and comfortable with the mortgage we are applying for.

I aim to be available and approachable throughout, and I will look after you and your mortgage personally.

It’s never too early to get in touch and I recommend that we talk early in the process so you understand the process, what deposit you will need, what documents you need and then to find out how much you could potentially borrow, (see our process section).