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Mortgage Advice in Worksop

Damian Youell

Damian Youell

Are you in need of Mortgage Advice in Worksop?

We provide an exceptionally efficient, friendly, yet professional mortgage broker service for clients in and around the Worksop area. Clients engage our services for a variety of mortgage needs, ranging from straightforward purchases to more complex scenarios such as multiple buy-to-let remortgages and onward purchases. Numerous clients have expressed high levels of satisfaction with the comprehensive services we offer.

Over time, we have cultivated a diverse clientele from various regions within and around Worksop. These areas span Retford, Ranby, Gateford, Woodsetts, Thorpesalvin, Shireoakes, and Carlton in Lindrick, among others.

A Few of our Reviews

Damian Youell

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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

Whether you’re a first-time buyer or looking to refinance, finding the right mortgage deal can be overwhelming. This is where mortgage brokers in Worksop step in. Their expert advice ensures you find a mortgage tailored to your financial circumstances.

Why You Need a Mortgage Broker in Worksop

Navigating the mortgage market is complex. An experienced mortgage advisor can significantly simplify your mortgage application process. They can guide you through a range of mortgage products and help you secure a mortgage loan from a reputable mortgage lender.

The Role of Independent Mortgage Advice

Getting impartial advice from an independent mortgage broker can save you time and money. They can assess your financial situation and provide a comprehensive range of options. From mortgage advice bureaus to specialized financial services, these brokers operate under a strict regulatory regime to ensure quality service.

First Time Buyer? No Worries!

First-time buyers can especially benefit from expert mortgage advice. Mortgage brokers can provide competitive mortgage products and financial advice tailored to your property type and credit history. If you’re concerned about credit checks or bad credit mortgages, a qualified mortgage broker can guide you through the options available.

Services Offered by Local Mortgage Brokers

  1. Mortgage Quotation: Knowing your borrowing capacity
  2. Mortgage Advice: Providing professional advice on the type of mortgage suitable for you.
  3. Critical Illness Cover: Ensuring your peace of mind through additional services.
  4. Secured Loans: If you need additional financial support, brokers can also advise on secured loans.

Exploring the Mortgage Landscape in Worksop

Worksop is home to various mortgage services, including:

  • Beckett Mortgages Ltd: Offering a wide range of mortgage solutions
  • Sherwood Mortgages Ltd: Specialists in self-employed mortgages
  • Estate Agents: Working hand-in-hand with mortgage brokers to streamline your property purchase

Why Opt for Local Mortgage Advisors?

Local advisors like Didsbury Mortgage Co Ltd and Mill House Mortgage Solutions offer personalized, excellent services. Their in-depth understanding of the mortgage market in Worksop allows them to offer mortgage deals you won’t find on Victoria Street or Acorn Business Park.

How to Set Up Your Mortgage Appointment

Getting started is simple. Just reach out to mortgage service providers like Mortgage Sure Ltd or Mortgage Talk Ltd to set up an appointment. Whether it’s Randall Way or Meadowhall Riverside, you’ll find trusted mortgage advisors around every corner in Worksop.

Closing Thoughts

Remember, when you’re looking for mortgage solutions in Worksop, relying on a mortgage broker can make the journey smoother. Their qualified, professional advice can provide a tailored mortgage that fits your unique needs.

Navigating the mortgage market doesn’t have to be stressful. From your first home to refinancing, mortgage brokers in Worksop are your navigators in this journey, ensuring that you make the most beneficial financial decisions for your future.

So, don’t hesitate; consult a mortgage broker today for a comprehensive range of mortgage products and services tailored just for you.

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
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

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.