Mortgage Broker Buckinghamshire

Has the mortgage market got your head in a twist? Get a FREE mortgage consultation with our 100% impartial Mortgage Advisor, with access to the whole of the mortgage market to get you the best mortgage rates. Remote meetings available within 3 working days**

Mortgage for Purchase Get Quote

Residential Remortgage Get Quote

Buy To Let Remortgage Get Quote

Mortgage Loan and House Keys - SAM Conveyancing's Mortgage Broker Consultations

Our mortgage brokers are independent of any lender and offer a full spectrum of straight talking, expert financial advice. Perfectly positioned to help you with your mortgage requirements.

Find a Home Mortgage icon for whole of the market

Access to the Whole Market

Best Mortgage Advisors icon offering a free mortgage consultation

FREE* consultations
for Buckinghamshire

Convenient
Remote Appointments

Independent Mortgage Broker icon for professional advice

Impartial Mortgage Advice

Mortgage Broker Buckinghamshire Financial Times Top 100 Financial Advisers 2022

FT Top 100 Mortgage
Advisors 2022

Why choose Mortgage Brokers with SAM Conveyancing?

Whether you are making a purchase or remortgaging a property, using an impartial mortgage advisor saves you from being pressured by any specific lender, so you can choose the best deal available from the whole market.

We can offer you a free* initial consultation with our independent mortgage brokers at Advies. They search across the whole market to provide the best mortgage rates that match your needs and circumstances, with access to exclusive rates that can beat the high street lenders.

We are delighted to announce that Advies have been recognised by the Financial Times as being one of the FT Adviser UK Top 100 Financial Advisers 2022.

Our mortgage advisors attain the strictest Financial Conduct Authority standards, to ensure honest, competitive and fair services, to you.

Bank of England Base Rate

4.75%

Changed from 5% on the 7th November 2024.

Average Fixed Rate

5.37%

Based on a 2 year fixed deal with 90% LTV.

How to get a mortgage in Buckinghamshire

The value of properties in Buckinghamshire vary across the county. The average house price in Marlow for detached houses is £1,038,190, however a flat in High Wycombe is £215,079.

Can you afford a mortgage in Buckinghamshire?

Location	What is a 10% Deposit	What mortgage do you need?	What would your salary need to be? (estimated based on 4.5 times salary)
Marlow	£103,819	£934,371	£207,638 or £103,819 per salary with a joint purchase
High Wycombe	£21,508	£193,571	£43,015 or £21,508 per salary with a joint purchase

Are you self-employed? 5 Tips for Getting a Self Employed Mortgage

The rate of your mortgage will affect your affordability assessment. Use our calculator to see how the current rate will affect your monthly payments.

Mortgage Calculator

Our Mortgage Broker Guide to getting a mortgage in Buckinghamshire

The mortgage application process has 4 stages regardless of which mortgage lender you use:

1Approval/Decision in Principal (AIP/DIP)
2Mortgage in Principal (MIP)
3Mortgage Valuation
4Mortgage Offer

#1 Top Tip

Time is the greatest healer for bad credit

As long as you develop good habits where credit is concerned, even serious black marks such as bankruptcy recede over time.

You are well advised not to apply for credit until serious issues have left your file but once they have, assuming you are handling your finances correctly, you should be able to develop a good score to enable credit – the main rules are always to make your repayments on time and never to take on credit that you don't need.

#2 Top Tip

Tracker Mortgage

This is another type of variable rate mortgage and with a tracker mortgage, the rate varies along with the interest rate it tracks, most often the Bank of England base rate.

A tracker mortgage is normally for a set time period, most often between 2 and 5 years, and penalties for leaving early are normally quite high.

Selling your property? Complete all the required property forms, collect all the required information and return it to your solicitor as soon as possible.

As a seller, the best way you can save time in the conveyancing process is by getting all the information your solicitor needs to them as soon as possible – your tasks are 'front-loaded'!

Anyone buying or selling a home first has to prove their ID to the solicitor representing them, but as a seller, you have to complete property information and fixtures and fittings forms (as well as a leasehold information form, if relevant) and return them to your solicitor along with your original title deeds and other relevant information.

This may seem a lot to do, but once you've finished these tasks to the best of your ability, your solicitor can fully devote themselves to making the remaining conveyancing process run efficiently.

Get your FREE Fixed Fee Conveyancing Solicitors Quote

Fixed Fee – No Sale No Fee – On all Major Lender Panels

Frequently Asked Questions: Mortgage Brokers Buckinghamshire

What does a mortgage broker do?

Is it worth using a mortgage broker in Buckinghamshire?

Is it better to use a mortgage broker or a bank?

How do brokers make their money?

At what point do you get a mortgage broker Buckinghamshire?

Do I need to meet with mortgage broker based in Buckinghamshire?

Is it quicker to use a mortgage broker?

*SAM Conveyancing has negotiated a FREE Mortgage Consultation with our panel mortgage broker. This allows you a free mortgage consultation to discuss your specific requirements and provide mortgage opportunities for the Service being requested. If you want to proceed with a formal mortgage application through your mortgage broker, then a mortgage application fee maybe payable. If there is a fee to pay for your mortgage application, it will be explained to you at the point of discussing your mortgage options.

You can disengage the services of your Mortgage Broker before making a formal application, and no fee will be levied.

Read our - Terms and Conditions.

SAM Conveyancing is an approved partner of Advies Private Client, and this page is an advertisement for them. SAM Conveyancing does not provide or arrange mortgage advice, but we may receive a commission for any product you take with Advies Private Client after we introduce you to them.

The FCA does not regulate SAM Conveyancing and does not provide any insurance or mortgage products, nor can we provide any advice on different insurance or mortgage products. Please liaise with your chosen Advies Private Client for any insurance advice.

**Subject to availability. If we are fully booked ask and we will see if we can fit you in sooner.