If you need a mortgage broker in Hove, who is regulated by the FCA (Financial Conduct Authority), look no further than Transparent Mortgage Services. We are an independent broker, so we can search the whole of the UK mortgage market to find just the right mortgage for you and your specific needs and situation.
Welcome to Transparent Mortgage Services.
Our team of expert and helpful mortgage advisers would be happy to help you with professional, in-depth and thorough mortgage advice, that is provided in a way that makes sense to you.
You will have a specific mortgage broker and they will take the time to talk to you about your needs and financial situation, so they can understand what will suit for you and your requirements. After your first meeting, they will have the information needed to look for the best mortgages for you. We offer mortgage consultations in person, by phone, email or virtually, so can cater to what's best for you.
We ensure that we provide a service that supports you and your schedule, so we have meetings available outside of the standard 9-5 timeframe because we know many clients have full time jobs and need flexibility. When you use us, we will make sure that you are kept up to date every step of the way, so you are always informed with what's happening with your application.
We are completely independent brokers, who are authorised and regulated by the Financial Conduct Authority. We can look at the whole UK mortgage market for the ideal mortgage deals for you, from the most competitive lenders in the UK. We are not restricted in the same way as high street lenders, so can look at all alternatives for you and find you the best mortgage deal. Once we have looked into what you need and have found the best option for you, one of our team will send you a mortgage proposal and will also answer any questions. After you have agreed to the proposal, we will begin the mortgage application process.
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Speak to a friendly, expert Mortgage Adviser about your unique mortgage needs.
We'll search 1000s of products for the best mortgage and present our advice to you.
Your Adviser will complete your application, liaise with the lender and you, keep you informed until completion.
Whether you're looking to buy your first home, or you are purchasing for the umpteenth time, we can find you an amazing mortgage deal! We will search the entire UK market for a wide range of mortgage products, which includes:
First Time Buyer Mortgage: If you're looking to purchase your first home, we would love to help you. We understand that it can feel challenging when you aren't entirely sure of the ins and outs of the process and if you're doing the right thing. Don't worry! We know that purchasing a home is one of the biggest purchases you'll ever make, so you want to have the reassurance that you're making the right choice when it comes to the mortgage - we can do that for you. We will ensure that the application process is as simple as possible and that you will know what's happening throughout the process. For your information: first time buyers need to have a deposit of at least 5% of the cost of the property that you’re buying. We will provide you with more information at your first meeting.
Buy to Let Mortgages: If you are considering purchasing a dwelling to rent out to tenants, then you will need to use a 'buy to let' mortgage. Buying a property can be a great investment but that being said, we would always suggest that you double check that can make enough money to cover your maintenance and that you can earn what you need to from your buy to let. We are experts in buy to let mortgages and can find the right one for you. We also have a lot of experience working with new landlords and those with experience and can certainly help you handle the issues that can arise when you are buying a property.
Remortgaging: If you need to reduce your mortgage payments, pay off some debts or cut down the repayment term of your mortgage, remortgaging can be a great option. It's also a way to use some of your property's value to pay for big life events or to decorate your home.
High Net Worth Mortgages: If you earn more than £300,000 per year, or if you have net assets that are worth more than £3 million, then you are considered to have high net worth, as laid out by the FCA. Lenders tend to be reasonably flexible with those who are defined as having a 'high net worth' and what they will lend them. We are experienced in finding high net worth mortgages and can help you to find the right deal for you.
This list isn't exhaustive and we offer many other mortgage options like Interest Only, Shared Ownership, Let to Buy and Holiday Lets. If you would like further details on how we can help you, contact us now by phone on 01424 444597 or by email on info@tms-fs.co.uk and our mortgage advisors will be happy to help.
Mortgage Broker Hove.
