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Mortgages! Where to start? How much can I borrow? How much should I expect to pay in advice fees?

Updated: Jan 21

Whether you are buying for the first time or moving to your ‘forever home’ the home buying process can be a stressful time for everyone. Getting the right mortgage advice from the outset can help take the stress away leaving you to sort out the more important things like, picking out the sofa or choosing between a games room or a dressing room.


How much can I borrow?


The rule of thumb is that most Lenders will lend between four and four

and half times your annual income. However, a Specialist Mortgage Adviser may be able to achieve more than this as they have access to contacts and Lenders that the public do not. They may also be able to leverage their relationships with certain Banks and Building Societies to help achieve a mortgage that at first didn’t seem within reach.



How much should I expect to pay in mortgage advice fees?


This is the good part. Typically, mortgage advisers will charge upwards of £500 in ‘advice fees’ or ‘broker fees’ on what would be deemed ‘straight-forward cases. However, at My Mortgage Finder, we will provide you access to our bespoke, Specialist Mortgage Advisers on a ‘fee-free’ basis, providing you meet the qualifying criteria.



Finally, who should I use?


Davis Wealth Management provide direct access to our recommended Specialist Mortgage Advisers ‘My Mortgage Finder’. You can be assured that you will be in safe hands and looked after on a ‘fee-free’ basis (qualify criteria applies) as part of the Davis Wealth Management service. We have of course carried out all the due diligence on My Mortgage Finder, however, feel free to check them on their website and social media pages below.  Alternatively speak to the Davis Wealth Management team today and they’ll arrange for one of their friendly advisers to get in touch.



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Call: 01904 373 028

Email: enquiries@mymortgagefinder.co.uk

 

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My Mortgage Finder, New Barn, Clifford Road, Boston Spa, LS23 6DT

  • My Mortgage Finder
  • My Mortgage Finder

Your home may be repossessed if you do not keep up with repayments on your mortgage.

Some Buy to Let mortgages are not regulated by the Financial Conduct Authority.

'My Mortgage Finder is a trading name of Golden Triangle Financial Services Limited. Golden Triangle Financial Services Limited is authorised and regulated by the Financial Conduct Authority.

My Mortgage Finder, New Barn, Clifford Road, Boston Spa, LS23 6DT

 

Our Companies House Number is 11623784.

We are authorised and regulated by the Financial Authorities Conduct.

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