Get free independent whole of market advice
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- info@mortgagehealthcheck.co.uk
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Get free independent whole of market advice
Mortgage Health Check’s aim has always been to ensure every individual has access to free mortgage advice.
Buying a home is probably the largest financial transaction any of us will ever make and making an uniformed decision could cost £10,000s over the lifetime of your mortgage.
That’s why we ensure all advice given is fee free from a fully trained CeMAP accredited Mortgage Advisor who is registered with the Financial Conduct Authority (FCA) with no obligation to proceed.
All Mortgage Advisors you speak with through Mortgage Health Check will be whole of market.
Whole of market means they aren’t tied to anyone Lender they have access to 100’s of Lenders and 1,000s of products to find the best mortgage to meet your needs.
Your Mortgage Advisor may have access to Mortgage deals that are Broker exclusive and aren’t available to the general public.
Mortgage Health Check will ensure:
You get free advice with no obligation to proceed.
You have access to the whole of market mortgage deals.
You’ll get the best mortgage to meet your needs.
A dedicated team will be with you every step of the way.
Following the Covid pandemic, the war in Ukraine, rising energy costs, issues with the world’s global supply chain along with numerous other factors inflation started to climb into double digits peaking at 11.1% in October 2022.
The Bank of England increased the interest base rate to control inflation.
This had the knock on effect of raising mortgage rates.
Lenders became came risk adverse and started to pull their best mortgage rates knowing that interest rates would continue to rise until inflation was under control.
During this period a lot of mortgage holders were coming off fixed mortgage rates that were taken when mortgage rates were at historical lows following the financial crisis of 2008.
These mortgage holders who were coming off their fixed rate mortgage deals were moved on to their Lenders standard variable rate which is usually a Lenders highest mortgage rate.
To make matters worse some of these Lenders were informing their loyal customers that they no longer met the affordability requirements to get a new deal with them so would have to stay on the Lenders standard variable rate.
A Lot of mortgage holders believed that they were now stuck with their current Lender and were now struggling with the higher mortgage payments.
To achieve our aim of ensuring everyone has access to free mortgage advice we have teamed up with other Mortgage Brokers to ensure everyone has access to free mortgage advice.
We now refer any clients looking to get a mortgage or remortgage to like minded Mortgage Brokers who are whole of market and offer free advice with no obligation to proceed.
All our partners are whole of market and registered with the Financial Conduct Authority and offer free mortgage advice with no obligation to proceed.
Our partners will ensure the same high standards of Mortgage Health Check and ensure that you receive the best mortgage deal to meet your needs,
All partners have signed up to Mortgage Health Check’s Aims and Goals ensuring every client receives:
Free Mortgage Advice for everyone.
Every client gets the best mortgage deal to meet their needs.
Complete the contact form tell us a bit about yourself and we’ll call you back at a time of your choosing.
