mortgage broker oldham

Mortgage Advice in Bedford

Damian Youell

Damian Youell

Are you in need of Mortgage Advice in Bedford?

Over the years, we have earned a strong reputation with our clients in and around Bedford. These areas include Clapham, Salph End, Cople, Shortstown, Kempston, Biddenham, and Moggerhanger.

A Few of our Reviews

Damian Youell

Feel Free To Start WhatsApp Chat With Us...

How We Work

1: We contact you and take down your details, income outgoings, name, address etc.

2: We will research the whole market and email you a detailed quote as well as a list of documents to proceed.

3: You upload the documents and information needed via our channel our online portal.

Feel Free to Contact Us

Getting a mortgage in Bedford is now easier than ever with the help of a trusted mortgage broker. A mortgage broker in Bedford can help you find the best loan for your needs and circumstances. Whether you are a first-time buyer, looking to remortgage or an investor buying a buy-to-let property, our expert team of local brokers can help you get the right deal quickly and easily.

We understand that getting a mortgage can be a complicated process and there are many things you need to consider when looking for the perfect loan. Our brokers will take the time to understand your requirements and advise on the most suitable products from our panel of lenders.

We have access to a wide range of mortgages, from fixed-rate deals to tracker mortgages, so you can be sure that we will find the right one for you. We also offer expert advice on other products and services, from life insurance to home insurance.

Our brokers are fully qualified and highly experienced, so you can be sure that you are getting the best advice and assistance. In addition to this, we provide an independent service which means that we search the whole of the market for you, including deals not available on the high street.

For more information about our mortgage broking services in Bedford, please contact us today. We look forward to helping you find the perfect loan for your needs.

Can I get a mortgage broker in Bedford?

Yes, you can get a mortgage broker in Bedford. Our expert team of local brokers have access to a wide range of mortgages from fixed-rate deals to tracker mortgages, and will advise on the most suitable product for your individual circumstances.

We understand the importance of finding the right loan quickly and easily, so our team work hard to ensure that you get the best deal for your needs. We also offer an independent service, so you can be sure that you are getting the best advice and assistance possible.

How to buy a property in Bedford?

Buying a property in Bedford can be a complex process, so it’s important to do your research and have the help of an experienced team to guide you. Here are some key steps to follow when looking to purchase a property in Bedford:

1. Research the area – make sure you understand the local market and the amenities available nearby such as schools, shops and transport links.

2. Get a mortgage in place – speak to a trusted mortgage broker to find the best loan for your needs and circumstances.

3. View properties – attend viewings and take notes on each property you visit, so you can compare them and make an informed decision when it comes to making an offer.

4. Make an offer – once you’ve found the perfect property, submit an offer to the seller.

5. Negotiate – if your offer is accepted, you can then negotiate the terms of the sale such as completion date and any changes that need to be made before completion.

6. Complete the purchase – hire a solicitor or conveyancer to oversee the legalities of buying a property and complete the purchase.

When it comes to the actual purchase of a property in Bedford, it is important to use the services of a qualified and experienced solicitor or conveyancer. They will ensure that all legal documents relating to the sale are in order, and can provide invaluable advice on any potential pitfalls. It is also important to have a survey carried out on the property before committing to purchase, as this may reveal any issues or problems that need to be addressed before the sale can go ahead.

Is it better to use a mortgage broker or Bank UK?

Whether you should use a mortgage broker or a bank for your loan in the UK depends on your individual circumstances. Mortgage brokers act as an intermediary between borrowers and lenders, meaning they can search the whole of the market for you to find the best deal. This can save time and money as they are able to compare different products from a variety of lenders, including deals not available on the high street.

Banks can also be a good option for loans if you have an existing relationship with them, as they may offer preferential rates. However, it is important to remember that banks are not impartial, and they will typically only offer their own products or those of their partners.

Damian Youell

Feel Free To Start WhatsApp Chat With Us...

How We Work

1: We contact you and take down your details, income outgoings, name, address etc.

2: We will research the whole market and email you a detailed quote as well as a list of documents to proceed.

3: You upload the documents and information needed via our channel our online portal.

Feel Free to Contact Us

Efficient Easy to Understand Process..

The first step in the mortgage advice process is for us to have a brief initial chat. You can ring us on free phone 0800 612 3367. We can then have a few minutes of chat to work out whether what you are trying to do is possible. At this stage, only a brief outline of what you are trying to do is covered. If you are at work and cannot make a call you can contact us via email to have a discussion about what you are trying to achieve. At this stage, it may be that what you are trying to do is not possible for example if you have no deposit or not enough income. However, in most cases, we can help and then we will arrange a convenient time to call you to go through things in more detail.
Once we have determined that I can help you then I need to find out hard and soft facts about you so I can begin to formulate solutions. Areas I need will cover basic details like full names and addresses, date of birth, employment status and income. Other areas will include your credit commitments and outgoings. Lastly we will talk about the mortgages you want what deposit you have, what your budget is, what type of interest rate you would prefer. We will also look at what protection solutions you have in place and how whether or not these will be suitable for your new mortgage. We will discuss time scales and when you are looking to move with the solution and then agree a time when I will email the figures to you.
The detailed mortgage figures will enable you to know two things. Firstly that what you are looking to achieve is definitely doable. Secondly, you can look at the figures and work out whether the payments are affordable and thus the idea feasible. Included in the top of the email is a summary of what we discussed and a brief overview of the deposit, loan etc. The middle section details the mortgage figures such as the interest rate, term, monthly payment, fees and charges etc. This information is also attached in the form of a key fact illustration. The bottom of the email lists all the items that would be required in order to proceed with the application such as payslips, passports, and bank statements so you can prepare these for our home visit.
The final step is for me to pop out to see you scan any of the required documents that the lender requires. Typically payslips, bank statements, passports, and address ID will be required. Other information such as the address of the property you are buying, the name of the estate agents you are buying through, the name of a solicitor you want to use etc will need to be gathered. Once this is complete then I will fill in the application form on your behalf and deal with the lender throughout the whole process until the mortgage has been completed.

Types of Mortgages Offered

First Time Buyers

I offer expert advice and house buying guidance for those first time buyers looking to get on the housing ladder. The mortgage process can seem confusing for first time buyers and having someone to explain the complex jargon in easy to understand language can simplify the process. Many first time buyers only have small deposits and therefore shopping around to get the best deal from the whole mortgage market is important. As well as the mortgage itself helping first time buyers take advantage of the various protection policies that are available and helping them choose the right solution for their own situation is important. Ensuring that the lender offered to the first time buyer is the right one and that the applicant fits all the lenders criteria is taken care of by myself.
Meet Our Specialist Mortgage Broker

Equity Release Lifetime Mortgages

Equity Release is a product which allows you to unlock cash from the value of your loan. One of the popular Equity Release Product is a Lifetime Mortgage. Lifetime mortgages are designed for people who want to release equity in their property and use the money to pay off other debts or simply enjoy life without worrying about repaying the mortgage. The main benefit of this type of mortgage is that it can be used as an alternative to paying off debt, such as credit cards or personal loans. The interest on these types of products will typically be lower than standard variable rate mortgages. We now have a dedicated adviser who specialises in equity-release mortgages. If you are age over 55 and need equity release for home improvements, paying off an interest-only mortgage, a gift to family or another reason for equity release then feel free to contact us.
Meet Our Equity Release Broker

Buy to Let Mortgages

Many clients that I see these days either already have buy to lets or are quite keen to get their own first time buy to let mortgages. The high street doesn’t really offer much choice when it comes to buy to let mortgages. Many of the high street lenders have their own specialist lender for buy to lets such as The Mortgage Works or Birmingham Midshires. These lenders are often only available through intermediaries such as mortgage brokers. Many of the buy to let lenders have criteria that is hard for clients to match and thus comparing lots of lenders and knowing each lenders criteria is sometimes the only way a client can get a mortgage agreed.
Meet Our Specialist Mortgage Broker

Remortgages

Many clients I see often just want to remortgage to get a better interest rate. Others want to move the mortgage from interest only to a capital and interest repayment mortgage. Others want to release equity from their homes to do home improvements, give family a deposit, raise funds to buy another property, divorce settlements and a host of other reasons. Again comparing the whole mortgage market’s rates and lending criteria helps my clients get the right mortgage for their unique circumstances.
Meet Our Specialist Mortgage Broker

Check Our Equity Release Mortgages Section

About The Author

mortgage broker damian youell

See some of Damian’s client reviews below

Damian is an experienced mortgage broker, founder of NeedingAdvice.co.uk Ltd and company director. With over a decade working as a mortgage broker he has a strong understanding of hard to place mortgage cases. With hundreds of 5 star client reviews. hundreds of repeat clients his work speaks for himself.

He started NeedingAdvice.co.uk as a one man band with the philosophy of putting clients needs ahead of his own. This ethos of offering excellent customer service has helped the business grow over the years. He gets satisfaction on getting cases pushed through to offer stage where other mortgage broker and companies have failed.

Throughout his time as an adviser he has carved out a niche area of advice helping clients with their business protection requirements too. Having helped hundreds of client with Relevant Life Policies, Shareholder Protection Insurance, Keyperson Policies and other important protection requirements of large to small businesses.

At home he is a family man and likes to spend his time with his four children and wife Lisa. He enjoys going on holidays spending time with friends and going for walks.