Mortgage Options

ayes Mortgage Solutions Ltd understands the importance of finding you not only the best uk mortgage rates but the best total mortgage solution based on your own individual circumstances and future needs. Our professional mortgage advisers have the knowledge and financial services experience to find you the best possible deal, taking in to account both the lenders interest rate and importantly any fees incurred. As a whole of the market mortgage broker we are not tied to any bank or building society, our allegiance is simply to you the customer and we will be working to ensure that more of your hard earned money stays in your pocket. Getting you the best uk mortgage rate possible ensures we achieve this aim.

First Step or remortgage

So whether you are looking to take that first step on the mortgage ladder, looking to remortgage and want a different type of mortgage or maybe have a low credit score and want to find the best mortgage package for you, we can help. Simply contact us on 02920 865410 or use our quick 3 step application and we will contact you with the best mortgage options available to you.

Why use us?

Searching for the best mortgage will always mean obtaining more than just the one mortgage quote. In the UK mortgage market there are thousands of products to choose from, quotes can be provided at the high street bank, online and via brokers. But where to start? Searching for a mortgage or remortgage will involve making choices. Understanding the advice given to you, and selecting the right mortgage lenders to provide you with quotes can prove a timely and sometimes a costly process. Hayes Mortgage Solutions have the experience, knowledge and tools to make these choices. Which mean the quotation process will be faster and we can take into account the whole of the market, giving back your precious time for the more enjoyable things in life.

Comparison sites can give you a feel for the various products available but the variables they compare are going to be limited and can not completely take account of the intricacies of your personal requirements as they stand now AND importantly looking towards the future. A good deal today could be totally unsuitable further down the road.

Consider this . . .

For example, suppose you find three comparitively good deals on a comparison site. The each have a low interest rate. They all have 80% loan to value lending. Finally they all have the same arrangement fee. So its just a case of choosing one right?

Well not quite. What the comparison site couldnt know was that running your own business is not straighforward for you. Your work is seasonal and February to May are not great for you in terms of cash flow. And in three years you intend to retire and move to Spain.

The three top choices it offered also have five year tie-ins and the rates are introductory. So in the long term perhps a mortgage with a slightly higher rate but no tie-in and holiday periods (where you can miss some payments) might be the best option for you.

The UK mortgage market can be daunting

UK Mortgage lenders and mortgage quotes offered can often be hugely varied in their terms. A first time buyer can become perplexed, and increasingly mortgage brokers are being used over and above the UK high street lenders. The tools available to mortgage brokers can now take into account all sorts of circumstances, meaning a mortgage search will be carefully planned and calculated to suit your needs. With a decision as important as this it's important to get Advice and help where you can. At Hayes Mortgage Solutions advice is free of charge – so contact us to find the best mortgage for you.

Enquire Online - Mortgages & Remortgages

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Or call us on 02920 865410 for a no obligation chat about your requirements