Find a mortgage with independent UK mortgage adviser Better Mortgages

Looking for a new mortgage which is right for you? We know it's a hassle and often frustrating. A mortgage is one of the biggest financial commitments most of us will ever make, and these days the choice of mortgages is huge, so let us help you get the right mortgage. 

Whether a first time buyer, staying put and remortgaging, or selling and moving, with a poor credit history or a clean one, we are confident we can help you find a value for money mortgage to meet your needs, and probably save you money in the process.

If you're like most people, we know ...

• you want a mortgage to fit your specific circumstances, not a 'one size fits all' product.
• you want the best deal available with a good interest rate, but you're worried that the choice of mortgages is huge, and you won't understand all the hidden costs or the 'small print'.
• you don't have time to spend hours walking up and down the High Street, or on the phone, or on the internet, giving your details over and over again to each different lender.
• if you have to have a credit search done, you only want it done once, by the most suitable lender, rather than risking damage to your credit rating by having multiple searches done by multiple lenders.
• if you're a first time buyer you might find the whole mortgage process daunting and stressful.

We also know that if you are thinking about using a mortgage broker...

• you want a 'value for money' service from a fully qualified mortgage and insurance adviser.
• you want to know that any advice and recommendations given fit your needs, is based on the information you give us, and is objective, and not for any other reason.
• you want to know that you are dealing with an independent, fully authorised and regulated adviser who works for you, not the lender.
• you want to know that your mortgage adviser has many years of experience, an up-to-date knowledge of the market, and that he is using the latest mortgage research technology.

Maybe you're having difficulty finding a mortgage from a high street lender because... 

• You have debt problems.
• You can't raise enough money for the deposit.
• You have a short self-employment history and can't prove the two or three years earnings that most high street lenders ask for.
• You run you own business or you're a self-employed contractor, and your monthly income is irregular.

We believe we are different from many mortgage advisers out there because when you use our service...

• We help find you the best value  mortgage to meet your specific circumstances, and could save you money in the process.
• We are truly independent, because we charge our customers fees, and pay back any mortgage commission earned for your case to you. This means we are not commission driven and our loyalty is to entirely you, not the lender.
• You can offset the mortgage commission we pay back against our fees, which means  you pay a reduced amount for our services. Some customers may get back more than the fee, depending on the circumstances.
• You can call us by phone or fill in our secure online enquiry form, giving your details just once, and it costs nothing for a review of your circumstances to see if we can help.
• Our professional, fully qualified adviser is available to guide you through the process and make sure things go smoothly to completion, relieving you of much hassle and stress.
• We access the whole UK market so your choice is not limited to a few High Street lenders, or brokers who only use a limited panel of lenders. We can find competitive and secure mortgages from many lenders who have no public presence, as well as high street lenders.
• We use sophisticated mortgage research technology and our financial expertise to search and compare thousands of mortgages from the majority of lenders operating in the UK, saving you hours of time, phone charges, and shoe leather.
• Our mortgage recommendations don't just look at the 'best' headline interest rate, but consider the total mortgage costs, which  means you won't get stuck with a 'fantastic' deal only to find the savings you make are eaten up by large up-front product fees or exit charges.
• We are directly authorised and regulated by the Financial Services Authority (FSA) so you can be sure we are monitored to make sure we meet our regulatory requirements.
• We will explain the details of each mortgage we recommend, pointing out any hidden costs which you need to know before making your decision.
• If there's a problem with your mortgage or insurance application we'll help you sort it out, but you must make sure you've told us all relevant details about your circumstances.
• When the time is right (so you don't suffer any financial loss), we'll let you know when there is an even better deal that might suit you, which may save you money.
• We can arrange competitive homeowners insurance for you at the same time as your new mortgage, saving you yet more time and hassle.

If you were talking to us face to face some of the main objections you might have for not using our service might be...

1. You could go to a high street lender so why do you need a mortgage adviser?
2. We charge a fee and you don't want to pay a fee.
3. We're not local.
4. You've never heard of us so you don't trust us.
5. You have debt problems so you think you won't be able to get a mortgage anyway.
6. You've heard about mortgage brokers who push people into unsuitable mortgages, so you're wary of being 'ripped off'.
7. You feel that the financial service industry always seem to be in the news for overcharging and poor service, so your wary of being 'ripped off'.  

And here's what we would say to you to clear up your objections.

1. You could spend a few Saturdays talking to high street lenders and maybe find a good deal. However if your financial circumstances contain any 'non-standard' issues such as debt,  self-employment, irregular income, etc., you may find it harder to get a high street lender to say yes. We research many less well known specialist lenders as well as high street lenders, to find you the best deal for your circumstances.
2. We do charge a fee but, unlike many mortgage brokers, we actually give you the mortgage commission we earn for your case back to you. A broker offering a 'free' service is getting commission from the mortgage lender. The mortgage lender of course wants to make a profit from your mortgage so the brokers commission will be recovered via the payments you make to the lender, so you're paying for the 'free' broker indirectly. 
3. It's true we are not local to most customers, but the process of gathering data, researching the market, completing the appropriate paperwork and tracking a case to completion, can be done over the phone or securely via the internet. It's not really necessary (as well as being environmentally unfriendly) to travel miles for a face to face meeting when technology can do what we need.
4. We are regulated by the FSA, and they monitor our business. Our loyalty is to you not the lender or some mortgage network, because we charge you a fee and pay back commission, so our business is transparent . This means we are not beholden to any mortgage lender and can make the right recommendation for your circumstances, even if commission is not paid for the recommended product. How many 'free' brokers would do that?
5. People with debt issues often feel that high street lenders will refuse them a remortgage. This can be true, but many specialist lenders will lend to people with debt problems. It may cost more than the best 'clean case' mortgage available but not as much as you might think. Some people with a standard variable rate mortgage older than five years and a clean credit history are paying more interest than a newly mortgaged person with debt problems .
6. We only use professional, fully qualified advisers, we operate within the Financial Services and Markets Act 2000, and are regulated by the FSA for compliance. Our contractual terms are stated in our 'Business Terms' and our 'Key facts about our services' documents. If we don't honour our promises then complain to us directly at any time, and if necessary to the Financial Ombudsman who can fine us or close us down if we breach regulations. It's not in our interest to give you bad advice, or rip you off. We prefer to have happy customers :-)
7. The financial service industry has received bad press in recent years, although not every financial company gives bad service or overcharges. With our knowledge of the current market we can warn our customers about issues that may not be known publicly, where appropriate. For example, if a lender brings out a popular new product, they can be swamped by thousands of applications, which can affect the quality and speed of service. If our customer cannot afford any delays, we can warn them of the situation. 

To make you more comfortable in using our services here's our guarantee.

• If we can't find you a better deal than your existing mortgage or another mortgage agreement in principle you've received from a lender, it will cost you nothing..
• The initial consultation is free. We will discuss your circumstances and be able to tell you whether we can help you or not. 
• If you use our secure online enquiry form it will only cost your standard internet charges to find out whether we can help you, and if you speak to us by phone we don't use premium rate numbers so you won't pay anything other than standard rate phone charges.
• If you decide to use our services then you only pay for the service you receive. If you follow through to receive a mortgage offer, our full fee becomes due. We have a number of payment options including using any mortgage commission we owe you to offset our fees. This is outlined in our 'Key facts about our services' document.
• It's not in our interest to have unhappy customers, and we've never had a complaint yet, but if you are unhappy with our service, just talk to us. We take any issues you raise seriously and do our best to resolve them to your satisfaction. In the unusual event that we can't find a solution to resolve the complaint you are free to take your case to the Financial Ombudsman and we will give you details of how you can do that.

To use our service is very simple, just... 

or call us on the telephone number on this page. Once you contact us here's what will happen next... 

If you contact us by phone, our mortgage adviser will talk to you immediately or arrange a more convenient time to call you, if required. If you contact us by our secure online form, our mortgage adviser will do some preliminary research and contact you at the time and by the method you specify, usually within 24 hours. In either case our adviser can give you a good indication of whether we can help you, and can give you an estimate of the likely cost of a typical mortgage, based on the information you give us.

If you wish to proceed we will send you a package of information about our services including a copy of our Business terms and our 'Key facts about our services' document. If you want us to act on your behalf after talking to an adviser, you just need to sign and return the last page of the Business Terms document and it's full steam ahead!

Act now - With so many advantages of using a full advice and recommendation service from an independent mortgage adviser who will pay the mortgage commission back to you, why wait?

So if you want the advantages of an objective, tailored, hassle free, value for money advice service from an independent mortgage and insurance adviser, that could stop you from wasting thousands of pounds, saving you time, shoe leather, and patience, give us a try.  For a 'no obligation' initial review just fill in our secure online enquiry form or give us a call.

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