Friendly & Straight Forward
Mortgage Advice in Calne
We love helping our clients with excellent Mortgage Advice in Calne – it’s not just about finding you the right mortgage, we will hold your hand through the full process.
Honest & Trusted
Mortgage Broker in Calne
Welcome to the online mortgage specialist home of Firco Mortgages, a honest & trusted Mortgage Broker in Calne & surrounding areas. We are experienced Mortgage Advisors in Calne who are ready and waiting to help you with your needs, objectives and beyond.
Firco Mortgage Advisors in Calne offers expert Mortgage Advice in Calne to all our clients with a wide variety of mortgage types, ranging from First-Time Buyer Mortgage Advice in Calne to Home Mover Mortgage Advice in Calne, to Buy to Let Mortgage Advice in Calne, to Remortgage Advice in Calne. Whatever your requirements, we will work hard to ensure you get the best mortgage deal tailored to your individual needs.
Mortgage Broker in Calne
Firco Mortgages works with the whole of the market of mortgage lenders that offer many mortgage products. Our Firco Mortgage Advisors in Calne will get to understand & know you a little better, before utilising the information they’ve gathered to recommend the perfect mortgage for your circumstances.
Being a reliable, honest & trusted Mortgage Broker in Calne, we’re able to add a personal touch to the service we provide for our Calne clients.
Our online Mortgage Advisor in Calne will be here to put your mind at ease, answering any questions you may have.
Our Process For
Mortgage Advice in Calne
As an honest & trusted Mortgage Broker in Calne, you will be assigned a Mortgage Advisor in Calne who will work alongside you from your initial enquiry. We specialise in working over the telephone and by email so we are incredibly adaptable and flexible, working around you and your daily life. We work from early, all the way through to the evening, so we can assist with your mortgage enquiries. We can put you through to a Mortgage Advisor in Calne for a quick consultation at whatever time is best suited for you.
Always Get The Best
Mortgage Advice in Calne
Your free initial mortgage consultation with Firco Mortgages will last around half an hour. After we carry out a Fact Find, a Mortgage Advisor in Calne will then search through thousands of mortgage deals to find the best deal for you. Once we recommend the deal, you can decide whether to proceed with us or not, it’s completely up to you!
How does the process with a mortgage broker in Calne work?
With Firco Mortgages as your mortgage broker in Calne, we will need to carry out a Fact Find in order to establish your personal needs and objectives before we recommend the most suitable mortgage for you. A credit check will always be required for you to obtain an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, a formal mortgage offer can be issued.
What documents will I need to send a mortgage broker in Calne?
If you are employed, you will usually have to supply three months worth of payslips in order to prove your income. If you are Self Employed in Calne its normally the latest 2 years’ accounts. You will also need to produce proof of ID, address and 3 months’ bank statements.
How long does the process take with a mortgage broker in Calne?
Our free initial mortgage consultation is typically 30 munutes but can last up to an hour depending on you and your circumstances. As an experienced Mortgage Broker in Calne, once we have all of your information we can get you an Agreement in Principle. On average, a formal mortgage offer takes around three weeks.
How much deposit do I need for a mortgage in Calne?
The minimum deposit when buying a house in Calne with high street lenders is typically 5%. You will rarely find lenders that will accept a minimum of less than 5%. Please be aware this minimum deposit can be higher if you have had bad credit in the past.
When should I obtain an Agreement in Principle in Calne?
Firco Mortgages has always recommended that you obtain an Agreement in Principle before you start viewing properties in Calne, as they can potentially put you in front of other buyers who don’t have one. Agents and sellers will like the fact that you have prepared before making an offer.
How long does an Agreement in Principle last?
An Agreement in Principle typically remains valid up to 90 days, but this can change depending on your lender. If your Agreement in Principle expires it can always be refreshed. A Mortgage Broker in Calne like Firco Mortgages can usually get one sorted for you within 24 hours within your enquiry.
Can I get a second mortgage in Calne?
Yes, you can get a second mortgage in Calne. You can take out a second mortgage for your current home for things like debt consolidation and home improvements. It is also possible to take out a second mortgage for another property if you want. Usually, this situation comes about when people are interested in a holiday home, are buying for a friend/family member or want a Let to Buy or Buy to Let.
Can I get a mortgage in Calne with previous credit problems?
It is possible but it can be a bit tricky though. When you have had previous credit problems your minimum deposit that is required could rise, we have seen it at 15% before. Having an online specialist Mortgage Broker in Calne could really help you get back on track in situations like these.
I’m Self Employed in Calne, can I get a mortgage?
After you have proven at least one year’s accounts to your lender, you should be able to get a mortgage. Most banks & lenders in Calne will use your salary plus dividend to work out your maximum mortgage, however, some can go off your net profit.
Get Mortgage Advice in Calne
with Firco Mortgages today
- A top rated online mortgage broker in Calne
- Thousands of deals from over 90 lenders
- Straight forward online process
- No waiting for appointments
- No paperwork
- Free ongoing mortgage monitoring
Your Mortgage Advisor in Calne
is here to help!
As a Mortgage Broker in Calne, our job is to search and compare multiple products from different lenders to find you the best product tailored to your circumstances.
As an experienced Mortgage Broker in Calne, we have worked with all sorts of mortgage clients, using our in-depth knowledge we will search through thousands of products for you and find you the perfect one for your personal and financial situation.
No matter what this year has in store, check in with us regularly to ensure you’re on the best products for your needs – lenders continue to offer attractive deals, we can find the most suitable one for you.
Firco Mortgages is an independent mortgage broker that has strong relationships with the key lenders in the UK mortgage market, including those private banks who do not have a high-street presence.
We arrange bespoke mortgage solutions for our clients in Calne, providing a tailored one-to-one advisory service, delivered face-to-face or remotely, depending on what suits you.
Please click on ‘Become a Client, Enquire Now’ at the bottom of the page and complete the enquiry form and we will normally contact you within the same working day during business hours or if you would prefer us to contact you outside normal business hours then please advise and we will quite happily do so. Alternatively you can email us with details about your requirements to email@example.com or call us on 0151 372 0388
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