At Anne Braid Mortgages we appreciate how difficult and time consuming it can be to find the right mortgage. Your own bank or building society is often your first port of call but how can you be sure they are offering the best possible rates available to you to suit your individual circumstances? It can be daunting approaching new lenders who you may know little about and who do not know you and all lenders have different rules on what is acceptable to them and how much they will lend you.

This is where we can help. We get to know you first by asking all the questions a lender would ask so you only have to give this information once. We then search the market, quickly and easily, to find the lender with the most suitable mortgage for you. We are totally independent so we work for you not the lenders.

We take time to make sure you understand all aspects of the rate on offer and if you are then ready to proceed we apply to the lender for you. We track the application and keep you regularly informed of progress.

Once the mortgage has been officially offered to you, we then review your insurance needs. We check the whole of the market for the most suitable policies from companies that offer good service at a good price. We apply for these for you too, ready for when your new mortgage starts.

It’s over to your solicitor at this stage and we still update you on his or her progress. We can often help, for example, it may be that your solicitor has told you something you don’t understand. We don’t always know the legal jargon ourselves but we can sometimes ask the solicitor to explain things to us so that we may then explain things a little better to you.

When your new mortgage starts our commitment to you does not end there. With your permission, we will contact you a few months before your initial rate comes to an end, to offer you a review of your mortgage. We will then reassess your circumstances and needs and look at the market again for the best rate available to you at that time.