About Mortgage Experts: A Mortgage Now
A Mortgage Now have been successfully trading as regulated online mortgage brokers for 20 years. Our business was built with the key focus of providing a simple and convenient mortgage advice and application process for our clients.
Our expert mortgage service
We have built secure online systems to work alongside our website making it easy for our mortgage experts to give you the best and simplest service possible.
For you, as our Client, this means clear advice provided swiftly by our mortgage experts:
- Without Meetings
- Without Paperwork
- Without Fuss
Our mortgage consultants
Every one of our independent mortgage brokers offers decades of experience advising borrowers on mortgages.
Many of our Clients are Professionals but we do serve a wide range of people both in the UK and around the World.
Our Clients are those seeking the right advice and best value, swiftly, without fuss, and without paperwork.
Our Key Services
We can provide expert mortgage advice on any requirement you may have, we specialise in:
- Mortgage Transfers
- Mortgages for Doctors
- Mortgages for Dentists
- Mortgages for Professionals
- Mortgages for high net worth and high income applicants
- Buy to let and investment mortgages
- HMO Mortgages
- Self Employed Mortgages
- Mortgages for the Newly Self Employed
- Below market value purchases from family
- Bridging mortgage loans
- Secured loans
We also advise on protection issues such as:
- Protecting your family
- Protecting your home
- Protecting your income
- Protecting your business
It is important to us that our clients are 100% happy with our service as we build our business through recommendation. We therefore ask each client to provide us with feedback on our service and consider recommending us as independent mortgage brokers to their friends and family. We ask each client to provide feedback to help us to improve our mortgage service.
We are directly authorised by the Financial Conduct Authority (number 301637) to provide independent mortgage advice.
Because independent, our mortgage brokers have the freedom to decide how we will work to the advantage of our clients, and which lenders we will choose to work with – we have access to the whole of the UK mortgage market.
What to expect from us
By far the easiest way however to start the process is to complete our 7 minute secure online mortgage offer in principle application form (seven minutes is the average time it takes our website visitors to complete the form).
A mortgage offer in principle form gives our mortgage experts sufficient information to make an initial assessment of your requirements and options at outset. We can then follow up with a sensible conversation to inform and guide your thinking.
Please note that our mortgage consultants do not run credit scores with any lenders at any time without asking your express permission.
Once we understand your situation and requirements, we will discuss your mortgage options with you and gather any additional details and information we require to support your mortgage application.
As your application progresses, our mortgage experts will keep you updated regularly by email, SMS text, and telephone. Our online systems mean we are available for you 24 hours a day, seven days a week.
Call us if you are seeking an independent mortgage broker to assist you with your mortgage application in a simple, swift, and straightforward manner.
Three primary factors control the amount of interest you will pay on your mortgage:
- your mortgage rate
- the amount you are borrowing
- the length of time you require the money
therefore, as well as ensuring you have the best mortgage rate possible, it is important to maximise your deposit (higher deposit equals lower mortgage rate), and to pay off your lending as soon as possible.
We are able to assist you to find the best mortgage rates, and also advise you on how pushing your deposit levels can reduce your mortgage costs.
It is important to set your mortgage term to keep the costs within your budget. Most mortgage lenders allow you to overpay a significant amount on your mortgage without penalty and this reduces the actual time over which you repay your mortgage and therefore your total mortgage interest charges.
If you intend to overpay lump sums, you should discuss this with your independent mortgage broker in the first instance so that suitable mortgage deals can be identified for you.