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Mortgage Advice in Hemel Hempstead

Many of our cliants are based around Hemel Hempstead. These areas include Piccotts End, Potters Crouch, Bedmond, Bourne End, Chipperfield, St Albans, Frithsden and Berkhamsted.

Damian Youell

Damian Youell

Are you in need of Mortgage Advice in Hemel Hempstead ?

We offer a highly efficient, friendly, yet professional mortgage broker service for clients in and around the Hemel Hempstead area. Clients choose us for a wide range of mortgage needs, from simple and straightforward purchases to complex cases such as multiple buy-to-let remortgages and onward purchases. We have successfully assisted numerous clients who have expressed their utmost satisfaction with the exceptional service we provide.

Getting a mortgage in Hemel Hempstead is possible with the help of qualified and experienced mortgage brokers. With a range of mortgage companies to choose from, there is sure to be one that suits your needs. Whether you are looking for a fixed-rate or variable-rate loan, a mortgage broker in Hemel Hempstead can provide you with the right advice and guidance to ensure you get the best deal for your circumstances.

A mortgage broker in Hemel Hempstead can provide you with a range of options to suit your financial needs and requirements. They have access to a wide range of lenders, so they are able to compare the different deals available in order to get you the best deal possible. They are also well-versed in dealing with lenders’ paperwork, which can save you time when it comes to applying for a loan.

Working with a mortgage broker in Hemel Hempstead will also ensure that you get the right advice about what type of loan is best for your circumstances. Your broker can discuss the various features and benefits of different products, such as fixed-rate mortgages, variable-rate mortgages, interest-only mortgages and more. They can also help you understand the terms and conditions of each product to make sure that you are making an informed decision.

A mortgage broker in Hemel Hempstead can also help you to negotiate with lenders and secure a better interest rate. They understand the market conditions and can advise you on how to get the best deal, as well as guide you through the process of applying for a loan.

When looking for a mortgage broker in Hemel Hempstead, it’s important to find someone who is knowledgeable, reliable and experienced. They should be able to provide you with all the information you need and answer any questions that you may have. An experienced broker can also help you understand the legal aspects of a mortgage loan, which includes understanding the different types of mortgages, the terms and conditions of each loan product, and how to make payments on time.

If you are looking for a mortgage broker in Hemel Hempstead, make sure you take your time and research the different companies available. Look at their customer reviews online and ask friends or family for recommendations. Once you’ve found a good broker, they can help you find the best deal for your circumstances and get you on the path to home ownership.

We offer a highly efficient, friendly, yet professional mortgage broker service for clients in and around the Hemel Hempstead area. Clients choose us for a wide range of mortgage needs, from simple and straightforward purchases to complex cases such as multiple buy-to-let remortgages and onward purchases. We have successfully assisted numerous clients who have expressed their utmost satisfaction with the exceptional service we provide.

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.

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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.
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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

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.

Check Our Equity Release Mortgages Section