Many home purchasers need the assistance of a mortgage and we believe that getting the right advice is key. Whether you’re a first-time buyer or considering purchasing a more expensive home, finding out how much you can borrow from the get-go can save you a lot of time on your property search. Many people aren’t sure if their existing mortgage product can be transferred over to a new home and those looking to delve into the buy-to-let market can benefit from securing sound financial advice before investing.
Grisdales work closely with Mortgage Advice Bureau and have some of the area’s most experienced advisers on hand to assist you. Our team can advise you on buying and selling, how to fund your move and account for moving costs and protecting your property purchase.
Does giving up a day of your time to sit in an office or bank, answering questions and filling out paperwork sound like your idea of fun? No. Ours neither. Most people assume that getting a mortgage means heading straight to your bank but unfortunately this can mean missing out on the right deal for your needs. It’s a bit like looking for car insurance – you want to take a look at what everyone has to offer first rather than just going with what you know. The problem is, it’s not always clear where to look, that’s where a mortgage broker comes in.
There seems to be a misconception of what mortgage brokers actually do. Ultimately, it’s our job to find you the right mortgage for your needs, and here’s how we will help you do just that:
We start by arranging one of our expert mortgage advisers to assess your requirements. This includes listening to your needs, looking into your current financial situation and taking the time to understand your personal circumstances, because we understand that your time and money are precious.
Once we’ve assessed your situation, we go away and search the market. Using our nationwide contacts we then come up with a product recommendation for you. Mortgage Advice Bureau work with over 90 different lenders – so you aren’t restricted to just one bank or building society’s criteria. Having this flexibility means you’ll have much more choice and can find the mortgage deal that’s right for you.
Once you’ve decided on a mortgage product, you can leave the rest in our hands – it’s that simple. You don’t have to waste any of your time filling out paperwork – we manage the whole application process for you. So you can be left to concentrate on what really matters; whether that’s planning the move or creating new boards on Pinterest for your dream decor!
A mortgage broker can save you money and we aim to make sure you never pay more than you need to. We do this by making sure you’re on the right mortgage deal for your needs. We also have access to exclusive deals that aren’t available on the high street which gives you more variety. We can also save you time, we understand that life is busy, so we like to offer our customers a complete service to take the stress and hassle away.
Neil works across the region and with over 20 years of lending experience, 14 as a broker, customer service is at the heart of everything he does. Having worked within estate agency for over ten years he is well placed to help you make the right move.
Kirsty ensures that our clients are well looked after by providing administrative support to all our advisers. With a conscientious ‘can do’ attitude, she is always on hand to help clients with queries.
Charlotte is the administrator for MAB. Based in Carlisle, she supports clients with their applications.
Because we play by the rules we are required to tell you that…
Your home may be repossessed if you do not keep up repayments on your mortgage.
There will be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances.
The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
Want to know more about MAB? Find our HERE.
Everybody is different and there is no right or wrong way to go about getting a mortgage. We can’t tell you which route you should take, but if you want to have a quick chat, please feel free to get in touch with us and we’ll be more than happy to talk with you.
Everyone at Grisdale’s was extremely helpful in getting myself and my partner set up in our new home. Big thanks to everyone, particularly Alison & [...]
Very patient and helpful staff who will explain the process and give options as and when appropriate. Communication good and have kept me informed every [...]
Alison and the team have been brilliant at helping us find a home to rent. She has been there to answer any of our questions [...]
Absolutely brilliant from day one. I switched to Grisdales, (Cockermouth branch), from another agent because I'd not had much interest on my house for months. I [...]
Great service - The staff are always helpful and very friendly!
It has been a very big team effort as we have a few properties. I am very happy with how everything has gone and I [...]
Grisdales were brilliant in helping us sell our house in Whitehaven. They were able to get us a quick sale when other estate agents [...]
Great service, extremely friendly, enthusiastic and knowledgeable staff. Senior sales and lettings member of staff could not have been more accommodating.
Rented my home through Grisdales Estate Agents. They made everything so easy and so simple! I would highly recommend renting with Grisdales. Thank you so [...]
Can not fault the service we have had can I please mention James who has given us exceptional customer service would thoughly recommend them as [...]
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