The Benefits of Using a Mortgage Adviser

Mortgages

Taking out a mortgage is likely to be the biggest financial commitment you will ever make, and navigating the mortgage market can be overwhelming. With so many lenders, mortgage products, and financial jargon, it’s easy to feel lost. This is where a mortgage adviser can be an invaluable resource. Whether you’re a first-time buyer, remortgaging, or investing in property, using a mortgage adviser can provide you with expert guidance and help you secure a mortgage product. Here’s how working with Grayson Lewis Financial Planning can help.

1. Ability to review a wide range of mortgage products
   While you can go directly to a bank, mortgage advisers can quickly access a much broader range of mortgage products. Some lenders work exclusively with advisers, meaning you could have access to products that are not available to the public.
2. Expert advice tailored to your needs
   At Grayson Lewis, we assess your financial situation, including income, expenses, credit history, and your future plans. This allows us to recommend the most suitable mortgage. Unlike a bank, which will only offer its own products, we provide advice tailored to your individual requirements.
3. Saves you time and effort
   Searching for a mortgage deal can be time-consuming and complicated. We do the legwork for you, comparing rates, fees, terms, and eligibility criteria across multiple lenders.
4. Help with complex situations
   If you’re self-employed, have a low credit score, unique property or unusual income sources, securing a mortgage can be more challenging. Our advisers can help people with non-standard situations and finding solutions. Their knowledge of lender criteria can make all the difference in getting your application approved.
5. Assistance with the application process
   A mortgage application involves significant paperwork and compliance with lender requirements. Our advisers ensure your application is completed correctly, reducing the risk of errors that could delay approval. They also liaise with lenders on your behalf, making the entire process smoother and less stressful.
6. Potential Cost Savings
   Often, lower interest rates can come with high product fees. Whether this is the correct choice or not depends on your circumstances. We carry out this assessment as a part of our research for you. We can help you avoid costly mistakes, such as choosing a mortgage with unfavourable terms that could cost you more in the long run.
7. Support beyond the mortgage
   At Grayson Lewis we pride ourselves on working with our clients over the long term. We don’t just secure your mortgage, we also provide ongoing support. This includes helping when your product comes to an end and even recommending suitable protection policies like life insurance or income protection.
   Summary
   At Grayson Lewis we aim to make securing a mortgage easier, more efficient, and more cost-effective for you. With access to a broad range of lenders, personalised advice, and assistance throughout the application process, we can help you navigate the mortgage market with confidence. Whether you’re buying your first home, moving house, or remortgaging, working with a mortgage adviser is a step worth considering. For an initial no obligation consultation, please feel free to get in touch with us.

Your home or other property may be repossessed if you do not keep up repayments on your mortgage.

Some Buy to Let mortgages are not regulated by the Financial Conduct Authority.

We offer a comprehensive range of first charge mortgages from across the market that are made available to mortgage intermediaries for which we are paid a procuration fee by the lender.