Mortgage Broker Carlisle

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There's no need to wait days to speak to a mortgage lender direct when you can get a FREE  mortgage consultation with our Mortgage Advisor today who has access to the whole of the mortgage market and the best mortgage rates.

 
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Free Mortgage Consultation*
No need for Face to Face meeting
Available 8am to 7pm
Bespoke Mortgage Rates**
We handle the whole  Mortgage Process
* Terms and Conditions apply
** Not available when applying direct with the mortgage lender
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Our Mortgage Broker Guide to getting a mortgage in Carlisle

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

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

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Carlisle Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage Broker Tip 2

Checked one score? Check all 3!

Remember that in the UK there are 3 main credit reference agencies: Experian, Equifax and CallCredit. All 3 use different methods to produce a credit score and one or all may be consulted by a lender about your credit-worthiness.

It therefore makes more sense to check your score – and file – for all 3 so you have a complete picture of how your profile is viewed and can take any necessary steps to keep your credit score as high as you can.

Repayment Mortgage

You have to take out a repayment mortgage if you are a residential home buyer. You are granted a mortgage loan normally conditional on your saving a deposit of a minimum of 10% of the purchase price (in certain circumstances a lower percentage or even no deposit may be acceptable) and you commit to making regular monthly repayments over an agreed term, frequently 25 years, during which you pay back the loan.

For each payment you make, a portion of the money goes toward paying the interest on the loan and the rest goes towards paying down the capital. You accumulate more of the underlying capital over time so the interest element becomes less and the portion devoted to paying off the principal increases.

The biggest advantage of a repayment mortgage is that as long as you make all the payments, you can rest assured that at the end of the term you'll own the full equity of your property. This is not guaranteed to be the case with an interest-only mortgage; these mortgages are now only open to commercial customers.


Carlisle is the only city and county town of Cumbria County in north-west England. It was originally a Roman settlement built to serve the forts on Hadrian's Wall. Landmarks include the Tullie House Museum and Art Gallery and the Sands Centre Sports Hall, an entertainment venue.

Property Price Stats for Carlisle


Average property price in Carlisle£129,125
% Change compared to last year3%
Population of Carlisle108,000 (2014)


The property price data is sourced from  the Land Registry's UK House Price Index and you can view up to date property prices by clicking - Land Registry House Price Index >>Land Registry
 

Mortgage Broker Carlisle - Recently Completed

  • Newlaithes Ave, Carlisle CA2 6PP
  • 42 Blackwell Rd, Carlisle CA2 4AJ
  • 28 Scotch St, Carlisle CA3 8PX
  • 14 Kingmoor Rd, Carlisle CA3 9PS
  • 25 Wood St, Carlisle CA1 2SF

Local High Street Banks in Carlisle

Mortgage Broker in and around Carlisle

Our Carlisle mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Houghton, Ginsdale, Little Orton, Cummersdale, Carleton, Cumwhinton and Parkbroom.

Which banks are local to you?


  • Clydesdale - 82 English Street, Carlisle CA3 8HP
  • HSBC - 29 English Street, Cumbria, Carlisle CA3 8JT
  • Lloyds - 6 Lowther Street, Carlisle CA3 8DB

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Whole Market Access

Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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FREE mortgage consultations for Carlisle

Mortgage Brokers Carlisle offering free first consultation (terms apply).

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Fast mortgage appointments

With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

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Impartial Mortgage Advice

You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

Carlisle Mortgage Broker Insider Tips

Consider booking your searches as soon as you have an offer accepted

If you're buying a property with a mortgage, your lender will normally expect you to book four standard property searches (local authority, environmental, chancel indemnity and drainage) and you are advised to get searches anyway so you have as much information on your property as possible.

Although you could choose to delay getting your searches to space out your conveyancing-related payments, you are more likely to save time on your conveyancing if you do not.

Your solicitor needs the information detailed in the searches as part of their extensive checks on the property you're looking to buy. As soon as they have this, the quicker they can carry these out and the sooner you'll be able to exchange contracts with the vendor, all going well.

Should you or the vendor choose to pull out of the sale for any reason, the searches can be sold on to any other prospective buyer of the property in question.

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