Getting a mortgage

J A Morgan & Partners / Getting a mortgage

Email us admin@jamorganpartners.com

Call us 01525 383296

The reason why many people choose to use a mortgage broker or financial services to arrange their mortgage for them is varied.

Some of the main reasons are:

- Time, they are too busy and have not got the spare time to assess the market for the best deals themselves.

- Knowledge, they may not have the knowledge and understanding about all the different types of mortgage deals and the implications of selcting one over another.

- Negotiating power, many mortgage brokers and financial advisers are able to negotiate with lenders to get an application through, which might otherwise have been turned down by a lender, due to the applicats lack of knowledge or experience in dealing with a lenders underwriting department.

- Exclusives. Some Mortgage Brokers and Financial Advisers have access to exclusive mortgage deals not available directly from the lender.

When you formally apply for a mortgage, you will need to fill in a mortgage application form. This will ask for some fairly detailed information to help the lender decide whether, and how much, to offer to lend to you. The lender will normally need the following information:

• Proof of identity;

• If you are employed, proof of salary from your employer;

• If you are self-employed, copies of your audited accounts;

• If you are working on a short-term contract, evidence of the length of your contract;

• Details of how you have kept up any previous mortgage payments, or evidence of regular rent payments;

• Details of your wider financial circumstances

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR REPAYMENTS ON YOUR MORTGAGE

Testimonials

We think that are services are second to none, but don't just take our word for it...

Thoroughly recommend Jake. He has an excellent manner and has worked through our finances saving us hundreds of pounds on our mortgage and insurance policies. I wouldn’t hesitate to recommend his company and we will continue to return

D Lambert Jan 2020-04-03

We can highly recommend Jake Morgan for giving us great financial advice on our pensions and for sorting out our Life Insurance for us.

A Shotten April 2020

Why Choose Us?

Our clients choose to trust us over the competition because of the way we conduct our business.

Individual advice

We provide our services to suit you, whether face to face, telephone or email

Mortgage finder

We can access a range of mortgages from over 50 of the UK’s best-known lenders, but not deals that are only available directly from lenders.

Client for life philosophy

We continue to monitor the market place and will keep you updated on opportunities through reviews to keep you on track to meet your long-term objectives.

Pension, Investment and Insurances

J A Morgan & Partners is committed to providing a range of financial and investment services for all of our clients, whatever their needs.

J A Morgan & Partners is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. J A Morgan & Partners: Registered in England - 11990207| Scott Cottage, Britwell Salome, Watlington, Oxon, England, OX49 5LG

The information on this website is for use of residents of the United Kingdom only. No representations are made as to whether the information is applicable or available in any other country which may have access to it.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR REPAYMENTS ON YOUR MORTGAGE