Stockport Mortgage Broker
Simple Fast Mortgage is a local Stockport mortgage broker. We offer sound professional mortgage and Equity Release advice with a free initial consultation.
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Stockport Mortgage Broker – A Local Touch
First-time buyers keen to get a foot on the Stockport property ladder? Found the perfect buy-to-let house purchase? Looking for business premises in the Greater Manchester region or want to know more about equity release?
The expert mortgage brokers at Simple Fast Mortgage can help with a free mortgage appointment.
We find the right mortgages for everyone, from landlords and home movers to businesses and first-time buyers looking in and around Stockport.
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We offer a free initial consultation to assess your circumstances and confirm your options
Stockport: a town on the up
Named as one of the best places to live in the north-west of England, the large town of Stockport is regarded as one of Greater Manchester’s up-and-coming places.
Just seven miles from Manchester city centre, family friendly Stockport is far more than just a commuter hub: there is lots to see and do, and almost half of the borough is green space.
Whatever property you’re looking for, from residential, buy-to-let or commercial, the trusted mortgage advisers at Simple Fast Mortgage can help.
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What is a mortgage and who can get one?
Mortgages are a specific type of loan for people who want to buy a home but don’t have the cash to pay for it in full. Lenders provide these extra funds in return for future repayments plus interest.
Mortgages can also be used to refinance homes perhaps to release extra cash. No matter what you want the mortgage for, whether you are granted one will depend on your personal situation.
Our team has sourced the ideal mortgage for a variety of people in and around Stockport, including teachers, dentists and solicitors.
Professionals such as doctors, police officers, solicitors, barristers, actuaries, teachers and accountants also have access to a range of specialist mortgages.
At Simple Fast Mortgage, we offer special mortgage broker services for NHS workers and armed forces personnel based in and around Stockport.
Why choose us as your mortgage brokers?
There are lots of reasons why it’s a good idea to let our team of experienced mortgage advisers find your ideal Stockport mortgage:
Market-wide insights on mortgages
Our expert team has access to an unrestricted range of mortgages from lenders across the market, including variable rate, fixed rate and discount rate mortgages, as well as exclusive deals.
Flexible appointments
It’s the 21st century and for lots of people, the traditional 9-5 working day doesn’t exist. With us, you can book appointments to talk about mortgages on evenings and weekends: times that suit your schedule.
No obligation advice
We offer a free initial consultation to assess your needs and independent mortgage advice on your next steps.
Stress-free process
If you choose to work with us, our professional and friendly team will provide a great service, managing every aspect of the mortgage process, from identifying the best deal through to completion.
Free lifetime reviews
Our customer service doesn’t end when your Stockport mortgage starts. We will check in regularly to make sure you’re always getting the best deal from a mortgage lender.
Insurance protection
It’s a great idea to include insurance with your mortgage. Our Stockport mortgage brokers will also ensure your home and family are protected by offering independent, professional advice on life and home insurance, tailored to your circumstances.
Our Stockport mortgage services
Our team of mortgage advisers help a wide range of customers in and around Stockport with a variety of requirements and financial circumstances.
Our advice and recommendation service
We offer an advice and recommendation service to anyone looking to invest in their dream property, either in Stockport or the surrounding area.
It comprises a full assessment of your circumstances and the mortgage product that best matches them, as recommended by our team of mortgage advisers.
They will then explain why it’s the best product for you in clear and easy-to-understand terms, enabling you to make a fully informed choice about your new mortgage.
First-time buyer mortgages
Stockport is not just a family friendly town, it’s also among the UK’s top 20 places to live for first-time buyers, which is great news for those looking for mortgages.
However, getting your foot on the property ladder can be intimidating and overwhelming, from mortgage jargon to sorting through the vast range of mortgage deals.
If you’re a first time buyer, don’t worry. Our Stockport mortgage brokers can guide you through the entire process, from the initial application to getting the keys.
Our mortgage advisers will ensure you understand the differences between mortgage lenders and their requirements – known as criteria, and explain the differences between a fixed rate and variable rate mortgage.
Our experienced mortgage brokers can also talk you through government-backed schemes such as Help to Buy and Shared Ownership.
When you’re ready to seek a mortgage offer, your personal mortgage adviser will prepare an Agreement in Principle (sometimes known as Decision in Principle).
Potential Stockport sellers and estate agents will then know you have undergone a credit check and are serious about purchasing a new property.
Buy-to-let mortgages in Stockport
Buy-to-let mortgages are aimed at people who want to rent a Stockport property out to tenants, rather than live in it themselves.
There is a wide variety of buy-to-let mortgage products on the market, and rules between lenders differ, notably when it comes to affordability assessments.
Our Stockport mortgage brokers will provide market wide mortgage advice, going through all the options available to you, whether you’re a first time buyer of a buy-to-let property or a seasoned landlord.
As your personal mortgage adviser in Stockport, we will deal with the paperwork and questions from buy-to-let mortgage lenders.
Specialist mortgages in Stockport
Stockport specialist mortgages are aimed at people in particular sectors, such as accounts, solicitors, dentists and barristers. Even if you’re a first-time buyer, they may offer financial advantages.
As an experienced specialist mortgage broker in Stockport, we understand not every client’s needs or personal circumstances are the same.
Some High Street lenders can offer preferential mortgage options to those with a professional career path, while people with complex or unique personal circumstances can feel frozen out of traditional mortgages.
A Simple Fast Mortgage adviser can help.
Our team has supported everyone from self-employed people, limited companies, non-UK nationals and expats. Our mortgage advice has helped them find the best specialist mortgage deal for their circumstances.
Remortgages in Stockport
With relatively stable house prices, many Stockport homeowners have healthy amounts of equity in their properties. They may want to use this second mortgage for home improvements, renovations, to invest in property or even debt consolidation.
Our team of mortgage brokers can advise on the safest and most appropriate way to access this extra cash through a remortgage.
We will scour the whole-of-market to find the best interest rates and mortgage deals, and compare them to what your current lender has on offer.
Equity release in Stockport
Stockport property owners aged 55 and over may benefit more from equity release than a remortgage, as the former is based on the value of your property and not your income or age.
Whatever you’re looking for, from remortgaging your property to equity release, our mortgage brokers in Stockport will use their expert knowledge to ensure you always get the right deal.
Mortgage protection insurance in Stockport
Our team of mortgage brokers in Stockport can also offer independent, professional advice on a variety of mortgage protection and insurance products.
These can provide financial support to you and your family in times of need. That could include paying a lump sum in the event of death or critical illness, to providing a proportion of your income to cover the mortgage and essential payments due to long-term illness or injury.
Navigating the mortgage process
As a trusted mortgage adviser in Stockport, we are here to help you navigate the mortgage process.
Whether you’re a first-time buyer, are moving home and need a new mortgage, or you’re curious about buy-to-let mortgages, our services are tailor-made to help you.
Our team of Stockport mortgage advisers have access to a vast range of mortgages from all kinds of lenders, enabling us to provide independent, up-to-the-minute advice on the best mortgage for your circumstances.
One you decide to go ahead, here’s what our mortgage advisers will do:
Gathering information for mortgage lenders
As your mortgage broker in Stockport, we start by understanding your personal circumstances, including your current financial situation and credit history. That means asking about your income streams, debt levels and financial commitments.
We will need to see relevant supporting documentation, such as proof of identity, address and income, as well as recent bank statements and a credit report.
These documents are used by our mortgage advisers to support your application with a mortgage lender.
If you are self-employed or freelance in Stockport, we will ask for tax returns to understand the particulars of your financial situation. Mortgage lenders use these to calculate the year-on-year stability of your income.
The less volatile your revenues, the more likely you are to make mortgage repayments on time and be less of a risk to the lender.
Credit report support
We will always help with securing a credit report from a credit reference agency before completing any Stockport mortgage application.
The credit report contains data that will be checked by the lender when we submit your mortgage application and is an important part of the lender’s underwriting assessment.
We want to see what the lender will see, so we can assess whether your mortgage application is likely to be accepted.
How it Works
Three easy steps to a Simple Fast Mortgage
1
Complete our quick and easy contact form, email enquiries@simplefastmortgage.com, call 0333 090 2025 or WhatsApp us to get started.
2
We handle all the necessary mortgage paperwork and manage the whole process, while offering great support throughout.
3
All done! You’ve got the very best mortgage deal thanks to our great mortgage broker service. Now, sit back, relax and enjoy life.
Your trusted Stockport mortgage broker
With offices close to Stockport, our team of experienced mortgage brokers understand what draws so many people and businesses to this vibrant area.
Whether you’re looking for your first property, are moving home in Stockport and have unique circumstances, you’re a landlord or property investor keen to expand your portfolio, our mortgage adviser will find the right deal for you.
Our Stockport mortgage advisers will offer independent, timely mortgage advice, answer all your questions and find the very best deal for you.
Contact us
If you want to book our advice and recommendation service, have any questions about mortgages or any of our other mortgage broker services, get in touch, we’d love to hear from you and help you get the right mortgage for your needs.
You can email us at enquiries@simplefastmortgage.com or call or WhatsApp 0333 090 2025.
Alternatively, fill in this contact form and we’ll get back to you straight away.
