Mortgages

We specialise in mortgage arrangement – we advise on mortgage protection and general insurance but the advice and recommendation process in relation to mortgages is where we have the greatest experience and expertise.

Fight back against the ‘credit crunch’ - Consult an expert! 
If you read newspapers, listen to the news or watch TV you cannot have failed to have heard about the ‘credit crunch’. 

You may be asking yourself ‘What is the ‘credit crunch’? or ‘How does the credit crunch affect me? Or ‘Is the credit crunch about to affect me’?

Increasing numbers of home owners are being affected or are about to be affected by the payment shock that occurs when they reach the end of a comfortable period of ‘fixed’ payments; a comfort    that was possible because they were recommended to take out a ‘fixed rate’ mortgage. Unfortunately any ‘fixed’ or preferential period has to come to an end. In recent years it has been comparatively    easy to obtain a new ‘fixed rate’ – life, in most cases has been good.

Things have now changed. 
It is estimated that around 1.4 million people in the UK will come off a short term fixed rate deal this year. Most will automatically be put onto their Lender’s standard variable rate and when this happens payments can suddenly leap up, potentially causing chaos to even the most carefully budgeted outgoings.

Add to this the recent huge increases in fuel, utility bills, food and day to day living expenses and before you know it you have a very real problem…. and almost without realising it you have become a victim of the ‘credit crunch’.

What can you do to help remedy the affects of the ‘credit crunch’?
The best and most effective remedy is to take preventative action well before your mortgage deal comes to an end. Newspapers, TV and radio programmes are now telling their readers or viewers to be pro-active by immediately consulting with professional mortgage advisors, who will have an impartial view of the current market and will be able to help in finding the best possible deal to suit individual circumstances and pocket, by searching many different Lenders and products. Brokers often have exclusive products that are not available directly from Lenders.

You should not be satisfied with falling in with your current Lender and their restricted panel of products. They further suggest that you should start the process a good three months in advance of your existing deal coming to an end.

Total Mortgage Network Jargon Guide

What can we do to help?
We specialise in mortgage arrangement – we advise on mortgage protection and general insurance but the advice and recommendation process in relation to mortgages is where we have the greatest experience and expertise.

We adhere absolutely to the Financial Services Authority’s principle of ‘Treating Customers Fairly’, which means not only nicely, not only efficiently – but fairly and ethically; not always the same thing!

We’d like to explain why we believe we can be of service to you.

Our service standards are very simple.

Home Visit 
We offer a ‘bespoke’ service where we will visit you in your own home or if you prefer, you can visit our office if it is local to your home. We are not tied to any one Lender and are therefore able to search a much larger market to ensure you receive the most suitable advice to suit your circumstances. This is vitally important in today’s very difficult market.

We complete all paperwork quickly and efficiently and in absolute confidence. Our aim is to ‘take the hassle’ out of what can be a very frustrating and stressful application process. We are experts in our field and we make no apologies for this.

Telephone & postal service 
Some people may prefer us to carry out a financial review over the telephone and we therefore offer this service which we would be more than happy to discuss with you.

Please click here for a mortgage advisor to call you