Mortgage Advisor Avonmouth
If you are looking for a mortgage advisor Avonmouth, then you will be pleased to know at Buzz Financial, we have considerable experience in helping clients find the best mortgage on the market that suits their needs.
As a fast & friendly Mortgage Broker in Avonmouth, we have a great deal of collected experience within our team. This means we are able to provide a top level of mortgage advice for almost any individual who approaches us with a situation regarding their mortgage.
Many of our customers return to us from time to time, especially when it comes to services such as Remortgaging. This is because we believe in providing a transparent and upfront process.
As an open & honest mortgage advisor in Avonmouth, that also deals with Specialist cases on a regular basis, we work with a large number of lenders who offer fantastic products available for you. With this in mind, your delegated mortgage advisor in Avonmouth will try their best to tailor the search to match your individual needs in order to offer you the best possible mortgage deal that you can obtain.
Friendly Mortgage Broker in Avonmouth & surrounding areas
In our many years as a mortgage broker in Avonmouth, we’ve spoken to thousands of customers. We often find with the majority we interact with, the bank has turned many of them away, sometimes without not fully explaining why which can be harmful due to not knowing what to fix in order to go ahead and continue with the mortgage application at hand.
This can be down to a variety of reasons, such as the property value being less than the amount they want to borrow, or the bank’s appointment books being filled – just to name a few.
Our mortgage advisors Avonmouth work with a large number of mortgage lenders that approach us with a variety of deals on offer, meaning we have 1000s of products to choose from just for you. We can confidently say that we will do our best to find the most appropriate deal for your circumstances and do the hard work for you so that you can enjoy knowing you’re one step closer to finishing your mortgage journey and enjoy your new home.
The team here at Buzz Financial have an in-depth knowledge of mortgage criteria and we will be more than happy to assist you throughout your mortgage journey from start to finish. Please read on to see more about how we can help you with various mortgage options.
First Time Buyers
The prospect of looking for your first mortgage can be confusing, making it hard to know where to start. There are a lot of questions to answer and decisions to be made which can be very daunting. You’ll probably be thinking about some of the following questions:
- How much can I borrow?
- Should I approach my own bank first?
- What product should I choose?
- What’s the difference between fixed, tracker, discount and capped?
- What term would be best?
- How much is it going to cost me?
- What other costs do I need to consider?
Here at Buzz Financial we want to make buying your first home easy, so we’re committed to helping you find the right mortgage which suits your individual circumstances.
As well as advising you on the most suitable mortgage, we’ll also guide you through every step of the home buying process, from our initial consultation, right up to the day you collect the keys to your first home.
Home Mover
There can be a wide range of reasons why you’re moving house. Perhaps you’re moving to a larger property, downsizing, relocating for work, moving for lifestyle reasons or you just want to move! Whatever the reason, it can be a stressful experience, especially if you haven’t moved for some time.
Things to consider:
- Estate Agents – it’s a good idea to have at least 3 market appraisals or valuations to help you compare costs, experience, knowledge and prices.
- Solicitors – remember you’ll need to consider the cost of selling as well as purchasing. (Click here to source a Solicitor)
- Stamp Duty – you may be liable for stamp duty if the property you are buying exceeds the current thresholds. (Click here for Stamp duty Calculator)
- Fees – there will be potential survey fees for your new property, removal costs, and mortgage product fees.
Buzz Financial are experienced in the sale and purchase process so our advisers can guide and assist you throughout. We can liaise with all parties involved to make your experience a pleasant one.
We have access to the whole of the market and we will advise you on the most suitable mortgage for your individual needs.
Remortgaging
Your mortgage will be one of the biggest financial commitments you ever have. A re-mortgage is where a new mortgage lender advances you enough money to pay off your current lender.
You might want to remortgage if you are looking for a better deal or better rates, perhaps you want to reduce your monthly payments, finance some home improvements or raise capital to buy another property. Whatever your reasons, we can help.
We understand having to look for new remortgage deals every few years can be tedious, so our independent advisers can remove the hassle for you.
Remortgages offer many variations with some lenders offering free valuations, free legal work or lower product fees so it can be hard to know which deal to choose. We can assist in ensuring you get the remortgage deal that suits your needs.
Buy-To-Let
Buy to let mortgages are different from main stream residential mortgages as the mortgage repayments are supported by the rental income and not the borrowers earnings.
We specialise in providing mortgage funding solutions from a single buy to let property to a multiple purchase. We can also help with refinancing an existing property portfolio.
Potential landlords will need to consider:
- Potential rent returns, as lenders will often use this as a guide to determine the amount they will lend rather than solely income.
- Interest rates on a buy to let tend to be slightly higher
- Lenders will expect a larger deposit to be placed on the property for additional security, usually at least 25%.
Our experts can guide you through the process and advise on the most suitable solution for your circumstances.
Help to Buy
This scheme offers a 10%, 15% or 20% equity loan funded by the government through the Homes and Communities Agency (HCA) on new build properties.
With a Help to Buy equity loan, the government loans you up to 20% of the cost of a new-build home, so you only need a 5% deposit and a 75% mortgage to make up the rest.
Help to Buy equity loans are open to both first-time buyers and home movers on new-build homes worth up to £600,000.
Example of a purchase with an equity loan scheme Cost Percentage
- Property purchase price – £200,000
- Your mortgage – £150,000 = 75%
- Equity loan – £40,000 = 20%
- Cash deposit – £10,000 = 5%
The scheme can be tricky to understand but Buzz Financial are experienced in helping buyers using the scheme so we can talk it through with you to help you decide how to proceed.
CLIENT TESTIMONIALS
How else can we help you?
Our clients vary in terms of their financial status and their mission. Some already owntheir own home and simply want a better deal. Other clients are looking to buy their dream estate.
Many need finance to fund a property purchase or move to give them the extra space or land they want.
Some have run out of cash on a building project or could be under heavy financial pressure.
Mortgages
Home Insurance
Life Insurance
Why use Buzz Financial?
At Buzz Financial, we have considerable experience in helping clients with financing with access to the whole of market.
We are regulated by the financial conduct authority and have been providing mortgage advice in Avonmouth for over 8 years.
By considering your unique needs, we will find the mortgage and/or insurance policy that is most appropriate for your requirement. We will then present you with the most financially attractive options to help you move forward quickly.
To find out more, complete our online enquiry form or contact us by telephone or via email to discuss your requirements further.