We are often asked why do I need a mortgage broker as surely arranging a mortgage is easy? It may seem so but it's worth looking at our Google reviews online and you may change your mind.
Innovate Mortgages and Loans offers an end to end service, looking to make the whole process as painless as possible. A recent survey about the home buying process discovered that on the whole the experience is positive and exciting, but the mortgage element was a huge negative. Whilst we can’t promise to make the mortgage process exciting (we’re not magicians!), we will work on your behalf to effectively manage your mortgage application, including:- Working with you to establish a budget for your purchase at at early stage. Consider any issues with your credit file and anything else which some lenders’ consider to be none standard. Carry out comprehensive research using our expert knowledge of lenders’ requirements to match you with the most effective mortgage option. Work across the whole market to give you independent advice – we are not tied to any individual lender. Deal with as much of the paperwork as possible and submit the application on your behalf. Chase up the lender and keep you advised of progress throughout. With your permission liase with third parties such as estate agents, surveyors, accountants and solicitors to save you time and hassle. On average a straight forward application (yes they do exist apparently) requires at least 10 hours of work, and often more. We would estimate for the average person that it could take double this time even if nothing goes wrong. For more complex applications, e.g., the self employed, buy to let applications, complex incomes etc, the whole process takes much longer – does our service now sound like a useful addition – we hope so! If you would like to see what our clients have to say about us we have in excess of two hundred and thirty Google 5* reviews on-line and on our website from satisfied clients. www.innovateml.co.uk
