Mortgage Broker St Leonards-on-Sea

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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*
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Available 8am to 7pm
Bespoke Mortgage Rates**
We handle the whole  Mortgage Process
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** Not available when applying direct with the mortgage lender
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Our Mortgage Broker Guide to getting a mortgage in St Leonards-on-Sea

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 St Leonards-on-Sea Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage Broker Tip 2

Pay off debts with savings

Information about any debt you owe to lenders and institutions can be accessed by other lenders and too much debt held generally lessens your credit score.

It invariably makes sense to pay off debts using your savings; the chances are any returns you make on savings are likely to be smaller than the interest and charges you have to pay for holding debt.

Variable Rate Mortgage

Variable rate mortgages are mortgage loans where the interest rate payable on the loan can go up or down because it moves along with an underlying index, most commonly the Bank of England base rate (although your lender may have the right to change the rate autonomously, without there being any change in the base rate).

Often, the initial interest rate charged on this kind of mortgage can be cheaper than that offered in a fixed rate mortgage, however this is subject to change. One plus of a variable rate mortgage is that you can leave it at any time without charge; in comparison, early repayment charges levied for leaving a fixed interest mortgage are very high.


St Leonards-on-Sea is an affluent, self-contained coastal town which lies to the west of central Hastings in Hastings Borough in East Sussex. Landmarks and attractions include Warrior Square Gardens, Gensing Gardens and Kino-Teatr, a truly fascinating space in Norman Road offering cinema, live performances and an excellent gallery.

Property Price Stats for St Leonards-on-Sea


Average property price in St Leonards-on-Sea£189,424
% Change compared to last year8%
Population of St Leonards-on-Sea10,001


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 St Leonards-on-Sea - Recently Completed

  • Vale Rd, St Leonards-on-Sea, East Sussex, TN37 6PX
  • 31 Perth Rd, St Leonards-on-Sea, TN37 7EQ
  • 23 St Peters Road, St Leonards-on-Sea, TN37 6JG
  • 13 Eversley Rd, St Leonards-on-Sea, TN37 6QD
  • 7 Braybrooke Close, Hastings, TN34 1TB

Local High Street Banks in St Leonards-on-Sea

Mortgage Broker in and around St Leonards-on-Sea

Our St Leonards-on-Sea mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Hastings, Bulverhythe, Bexhill, Crowhurst, Hooe, Roxton and Catsfield.

Which banks are local to you?


  • Barclays - 2-6 Sedlescombe Rd N, Saint Leonards-on-sea TN37 7DQ
  • Nationwide Building Society - 40 London Rd, Saint Leonards-on-sea TN37 6AN
  • Lloyds - 395-397 London Rd, Hastings, Saint Leonards-on-sea TN37 6PH

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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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Mortgage Brokers St Leonards-on-Sea offering free first consultation (terms apply).

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

St Leonards-on-Sea Mortgage Broker Insider Tips

If you're buying, getting a structural assessment (Building Survey) of your property in St Leonards-on-Sea from a RICS Surveyor is key and can save you £1,000s by highlighting defects that can be shared or negotiated with the seller. 

All too often buyers choose to not get a Building Survey thinking that their Mortgage Valuation will cover them for this. Sadly the mortgage valuation doesn't highlight structural defects or risks.

Once you realise this and then choose to get a Building Survey you may find that you are pushed to get this done in time for exchange of contracts because you have waited so long. This is especially annoying as your conveyancing solicitor needs some of the information from the survey to complete your legal work.

The best advice for fast conveyancing in St Leonards-on-Sea is to book your Building Survey at the same time as you instruct your conveyancing solicitor

Surveyors are in high demand at the moment and bookings can often take 7 to 10 days and then the report 3 to 5 days after that so the sooner you book, the quicker you'll know if there are any defects with you property - plus you'll be set for a fast conveyancing completion!

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