Buying your home can bring mixed emotions. It can be one of the most exciting times in your life, but at the same time, one of the most stressful. Whatever happens, it is more than likely to be the single biggest financial commitment you will ever make.
What are the benefits of getting mortgage advice?
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Access to a much wider selection of deals…
Enriched offer an unlimited range of mortgage products. This means that we source the recommended mortgage from the range of mortgages available to “Intermediary” Firms. We are a ‘whole of market’ broker who can advise on products from a wide range of lenders and therefore not limited to a panel of lenders, known as a ‘tied/ restricted’ broker.
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Experts in matching a mortgage to your needs…
Enriched will help you identify and achieve your objectives, based on your individual and personal circumstances. With so many different types of deals on offer that are frequently changing, we will make sure we explore and explain all your options securing the right deal for you.
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Carry out the admin on your behalf…
We will drive the entire process here at Enriched, keeping you informed throughout. From the initial research, receiving a decision in principle, all through the application process to achieving your mortgage offer and then completion. We are familiar with the considerable paperwork the underwriter may ask for and how key information should be inputted.
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Improve your chances of a successful application…
As part of your application any lender will carry out a credit check to see how well you have managed your finances and any lending you have taken out in the past. A detail as small as a parking ticket or missed phone contract payment may make it harder to get a mortgage approved. Here at Enriched we are familiar with how each lenders’ affordability assessments work, allowing us to place you with a lender that will give you the best chance of acceptance.
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Our relationships with lenders…
With have over 25 years combined experience within the mortgage industry here at Enriched. We have worked hard to build a strong long-established relationship with our lenders. We have regular conversations with our business development managers providing us with criteria updates and policy changes. This can really give you, our clients, an advantage when it comes to placing a unique scenario or short deadline case for a house purchase completion.
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Ongoing service reminding you to re-mortgage…
Even after your mortgage has completed, we still believe in keeping in touch and servicing our clients is important to us. We will contact you near the end of your deal period minimising the chances of slipping on to your lender’s potentially costly standard variable rate. We can also look at further advances or any other needs you require during the term of your mortgage.
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