How can a Mortgage Broker help?

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, EM Gray & Co

How can a Mortgage Adviser help?

Chris Anderson introduces the company and talks us through the role of a mortgage broker.

What does a mortgage broker do?

Really, we’re here to help people save time and effort. Mortgages are so diverse and everyone’s needs are really different. It’s our job to guide people through that process.

We help people at the start of their mortgage journey, when they want to find out what’s possible, right through to completion and reviewing their situation regularly into the future.

The first step is to get in touch and arrange a chat. We will find out where you’re at now and what you want to achieve.

What’s the difference between going to a mortgage broker like EM Gray and Co versus your local high street lender?

If you were looking to buy a house, you’re not just going to go down to your local estate agents and only look in that one shop. You go on Property Pal because that’s where the choice is.

It’s the same with a mortgage broker. We have access to hundreds of different lenders and deals – and some that are only available through a broker. We’re talking about the biggest debt somebody’s ever going to take on in their life here, and you certainly don’t want to restrict your options with something as serious as that.

What services does a mortgage broker offer?

We help First Time Buyers, we do remortgages, Buy to Lets and other types of specialist lending. But it’s also our job to look at the full financial picture. Can we help you protect your family or save for retirement? Whatever your goals, we can help you with trusted face to face advice.

Speak To an Expert

Whenever you choose to seek an advisor we will help you get into a better financial position than you are today.

When should I see a mortgage broker? At what stage in that process of buying a house?

If you’re a First Time Buyer or a home mover, you won’t want to waste time looking at properties that aren’t affordable. As soon as you’re considering buying your first home or moving, speak to a broker at that point. We can give you that initial picture of what’s possible and then help you make plans.

With remortgaging, most lenders will allow people to lock in a new deal up to six months before the current one finishes. Have a conversation with the broker even prior to that. The more time we have to prepare, the better. Even a small difference in the rate you pay could make a big difference in the long term.

When was EM Gray founded, and how long have you personally been in the industry?

EM Gray was actually established back in 1981 so there’s literally hundreds of years of experience within the practice. There’s a great team of advisors and support staff that make the place successful.

Personally, I’ve been in the industry for years. You just meet such a variety of people with such different needs – it really does keep every day interesting

A key part of what we do here as advisors is have regular reviews with clients. People’s circumstances and needs are changing all the time, so we want to make sure our advice is still up to date and suitable for their needs. Staying in touch with people is extremely important for us.

Does it cost for an initial consultation with you?

No, not at all. That initial meeting is really all about finding out if and how we can help you.

Think carefully before securing other debts against your home.

You may have to pay an early repayment charge to your existing lender if you remortgage.

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

The Financial Conduct Authority does not regulate most Buy to Let mortgages.