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Mortgage Broker in Bedford

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

01223 653 832Speak to an Advisor - It's Free!

Mortgage Broker in Bedford

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

Speak to an Advisor - It's Free! 01223 653 832

Providing expert mortgage advice in Bedford

Welcome, we are a trusted mortgage broker in Bedford, dedicated to helping you through every step of your mortgage journey.

A significant aspect of our service revolves around working out your borrowing capacity and helping you secure a mortgage deal that aligns with your personal and financial situation. With our 20 years of experience in the industry, we aim to save you both time and money during this process.

We understand that your personal and work commitments may make it difficult to find time to discuss your mortgage. That’s why we work 7 days a week so that you can contact us at a time that suits your schedule.

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Popular Mortgage Scenarios in Bedford

Book your free mortgage appointment online today!

During your free mortgage appointment, you’ll have the opportunity to speak with a mortgage advisor in Bedford who specialises in your specific mortgage situation. They will take the time to answer all of your questions and conduct a thorough analysis of your mortgage affordability, taking into account your income, expenses, and more.

Booking your free mortgage consultation in Bedford has never been easier! You can conveniently schedule your appointment online or by giving our friendly team a call. Best of all, this initial consultation comes at absolutely no cost to you. It’s your chance to explore your mortgage options in Bedford and gain valuable insights into what’s available to you.

Take the first step towards securing the mortgage that’s right for you by booking your free mortgage appointment today.

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Popular Mortgage Scenarios in Bedford

First Time Buyer Mortgages in Bedford

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Entering the world of mortgages as a first time buyer in Bedford can feel overwhelming. Where do you even begin? Don’t worry, we’re here to guide and support you every step of the way. Our goal is to alleviate the stress and ensure you feel comfortable throughout the mortgage process.

Saving for a deposit is a huge part of your journey, as you’ll need to provide 5%-10% of the property’s value. Assuming you have a good credit score, as a first time buyer in Bedford, you should have access to competitive products and favourable interest rates.

If you have bad credit, securing a mortgage may require a minimum 10% deposit. If you fall into this category, don’t worry. Our mortgage advisors in Bedford will discuss this further during your free mortgage appointment.

Your first time buyer mortgage journey starts now. Reach out to our team, and we’ll get your process underway!

Moving Home Mortgages in Bedford

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Moving to a new home is more than just finding a new place to live, as you also need to consider your mortgage options. In some cases, it may not be possible to transfer your existing mortgage to your new home in Bedford, and that’s when you’ll need to look for a new mortgage product. With all the other tasks involved in moving, this can easily become overwhelming.

That’s where a mortgage broker in Bedford comes in. Our team of experienced mortgage advisors in Bedford will handle all the mortgage-related aspects of the move, so you can focus on the moving in part! We understand that moving can be a stressful time, and we aim to make the mortgage process as hassle-free as possible.

Not only that, but our mortgage advisors in Bedford will work hard to find you a competitive mortgage deal for your new home. We understand the importance of finding a mortgage that suits your needs and budget, and we’ll use our expertise and network to help you secure a favourable mortgage deal in Bedford.

Buy to Let Mortgages in Bedford

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When it comes to securing a new mortgage for your buy to let properties in Bedford, it’s crucial to secure the best deal that aligns with your unique financial situation. Our job is to try and find you a mortgage deal that saves you time and money.

Whether you have an established or expanding portfolio of buy to let properties in Bedford, our team is here to guide you through the mortgage process. Should you need to remortgage your buy to let properties in Bedford, we will make sure that you and your buy to let are still on the best rate available to you.

Our committed buy to let mortgage advisors in Bedford can also help landlords with HMO mortgages, let to buy mortgages and holiday let mortgages.

Remortgage in Bedford

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As the end of your fixed mortgage term in Bedford approaches, it’s crucial to think about remortgaging your current product. Remortgaging involves taking out a new mortgage to replace your existing deal.

If you don’t remortgage by the end of your fixed term, your lender will automatically switch you to their standard variable rate of interest. This rate is likely to be much higher than what you were previously paying, potentially causing an increase in your monthly mortgage repayments. By opting for a remortgage in Bedford, you can avoid this new interest rate.

As an experienced mortgage broker in Bedford, we advise you to start exploring your remortgage options around six months before your current fixed term expires. This allows ample time for you and your mortgage advisor in Bedford to assess the available possibilities. In some cases, you might even be able to remortgage early and secure a deal that offers long-term savings.

When it comes to remortgaging, there are also alternative options to consider in Bedford. These include remortgaging to release equity, financing home improvements, and consolidating debt into your mortgage. While these choices may extend your overall mortgage term and increase your monthly repayments, they can also provide short-term advantages.

Self Employed in Bedford

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If you are a self employed applicant in Bedford, it’s important to note that your mortgage journey may have differences when compared to other applicants. While the overall process remains quite similar, the key difference lies in the documentation you need to provide to evidence your income and mortgage affordability.

During your free mortgage appointment, your dedicated mortgage advisor in Bedford will diligently review your financial circumstances. This thorough assessment will determine whether obtaining a mortgage is a viable option given your self employed status.

Fortunately, there are specialised mortgage lenders available who cater specifically to self employed applicants. As your mortgage broker in Bedford, we will search through these lenders to identify and secure the most suitable mortgage product for your unique circumstances.

Mortgages For Over 50s in Bedford

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If you are over the age of 50 and in search of a mortgage in Bedford, take the first step by reaching out to our specialised team that caters specifically to later life mortgage applicants.

Numerous options are available, the challenge lies in identifying the most suitable one for your unique circumstances. Surprisingly, traditional methods may indeed be an avenue worth exploring.

To explore your mortgage possibilities, simply book a free appointment online or reach out to our team by giving us a call.

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Our Simple 4-Step Process

Free Mortgage Appointment

Step 1

Firstly, reach out to our team and schedule your free mortgage appointment in Bedford.

We will closely examine your unique mortgage circumstances and gain an understanding of your objectives.

1000s of Mortgage Deals

Step 2

Once we have a clear understanding of your goals and objectives, we can begin our mission to find the perfect mortgage solution for your circumstances.

Our dedicated team will search 1000s of mortgage products to ensure we find the right deal for you.

Your Mortgage Application

Step 3

Once you give your approval to the mortgage product we’ve found you, we can kick-start the process of preparing your Bedford mortgage application.

At this stage, a dedicated case manager will be assigned to your application. They will go the extra mile to ensure that your application looks the best that it can do.

Protecting You and Your Mortgage

Step 4

As your mortgage broker in Bedford, we go beyond simply finding the perfect mortgage for you. We take the extra step of exploring insurance solutions for you and your loved ones, ensuring you have the protection you need.

All that’s left is to submit your mortgage application and patiently await the lender’s response.

Reasons to choose us

Free Appointment in Bedford

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If you’re looking for mortgage advice in Bedford, we’ve got you covered. Connecting with a mortgage advisor in Bedford has never been easier!

Simply book a free mortgage appointment online or give us a call. Our convenient booking process lets you choose a date and time that works for you.

1000s of Mortgage Deals

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As a mortgage broker in Bedford, we go the extra mile to find the perfect mortgage for you. With our extensive network of lenders, we search through 1000s of options to find the one that perfectly fits your unique circumstances.

Our access to a wide range of mortgage products, from high street lenders to specialist providers, means that we can explore every avenue to find a solution tailored to your needs.

AIP Within 24 Hours

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We can swiftly organise an agreement in principle (AIP) on your behalf within 24 hours of your free mortgage appointment.

An AIP will prove invaluable when it comes time to make an offer on a property, as it demonstrates that you have already gained the preliminary approval of a mortgage lender.

If your AIP happens to expire, all you need to do is reach out to your trusted mortgage advisor in Bedford, and they will renew it for you.

7 Days a Week

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We understand the importance of being accessible to our clients. That’s why we operate 7 days a week, ensuring you can reach out to us at your convenience.

Even on bank holidays, mortgage advice in Bedford is available to make your mortgage process flexible.

Malcolm and Amy Davidson - Mortgage Advice in Cambridge

Common Mortgage Questions in Bedford

How much deposit do I need for a mortgage in Bedford?

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The answer to this question can differ based on your credit score and the specific mortgage you’re looking at taking out.

For those with a good credit score, it is typically required to provide a deposit ranging from 5% to 10%. Naturally, the more expensive the property, the higher the deposit will be.

In the case of bad credit, mortgage lenders may ask for a deposit ranging from 10% to 15% in Bedford. Nonetheless, having bad credit isn’t necessarily a bad thing. We do encourage you to work on improving your credit score as it may result in the opportunity to access better mortgage rates.

If you plan on acquiring a buy to let mortgage in Bedford, be prepared to provide a deposit between 25% to 40%.

Can I have more than one mortgage in Bedford?

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It is indeed possible to secure multiple mortgages in Bedford. People have various motivations for pursuing this avenue.

One common scenario is when individuals aspire to obtain a mortgage for purposes such as buy to let, let to buy, or even holiday let. It is good to know that the majority of mortgage providers typically demand a larger deposit and a high credit rating when seeking a second mortgage.

I have been declined by my bank, can I get a mortgage in Bedford?

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When it comes to securing a mortgage in Bedford, it’s important to be aware of the potential risks involved with applying online. One of the main reasons why you might be declined is if you fail to meet the specific criteria set by the lender.

It’s crucial to remember that continuously applying for mortgages the getting declined can have a detrimental impact on your credit score. Each rejection can add another mark to your credit history, making it even more challenging to secure a mortgage in the future.

We highly recommend seeking the guidance of a mortgage advisor in Bristol. By consulting with a trusted mortgage broker in Bedford, you can gain valuable insights into the various mortgage options available to you. Additionally, they can help calculate your affordability to ensure you’re well-informed about your financial capabilities.

Are you in a complicated mortgage situation in Bedford?

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If you find yourself in a complex mortgage predicament, consider seeking mortgage advice in Bristol.

Engaging with a knowledgeable expert could help you solve some of your mortgage problems. Should you have any inquiries concerning your mortgage situation, feel free to reach out to our team.

We search 1000s of mortgage deals in Bedford

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Foundation Home Loans & Cambridgemoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

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